Happiness – 6 Simple Steps to create Happiness

Article by Jackson Tan

Pursuit Happiness is a process and may not be as easy as ABCs, but it can to as simple as just following 6 simple steps.

Step One

Firstly, determine your priority in life. If you want to be happy, happiness should be the ultimate goal in your life. Always bear in mind that you truly want to be happy. Also, figure out what is important to you in life. It may be your family, friends, careers or even achieving your childhood dream.

Step Two

Think about stuffs that make you happy. Focus on things that make you feel good and think back to figure out what made you feel happy? Remember the place and time and also the exact good feelings.

Step Three

Be optimistic. Focus on what is positive about your life and everything around you. Stop worrying and do not think about things that went wrong and ask why they happened. Instead, remind yourself it was a good learning lesson and moved forward.

Step Four

Allocate a timeslot to do things that you enjoy. Spend time with what is important in your life. Enjoying your favorite activities let your mind and heart have the time to relax and recover. Make your time worthwhile and you will be happier.

Step Five

Smile to yourself every now and then. Smile to the people around you. Smiling helps to lighten one’s mood and also when you are smiling, it is almost impossible to feel upset or angry. A simple smile can bring you closer to your happiness.

Step Six

Life is not as bad as it seems. Do not take things for granted. Learn to appreciate things that are working out well in your life. Thanks your family, your friends and even yourself for putting in effort in living a happy life.

About the Author

Jackson Tan is an University student who wants to promote and spreads the word of HAPPINESS to the whole world. He believes that everyone can be Happy as long as they choose to.For more free information on Happiness, go to http://projecth.blogspot.com/This article is free for republishing by visitors provided the resource link is retained.

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Song from Project X, In my opinion one of the best movies ever. I do not own this music, all credit goes to Kid Cudi and Steve Aoki
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The Four Steps to Get Out of Debt then Start Building Wealth

Article by Drew – Applying Wealth Education

Most people don’t realize that in order to get out of debt you must first become a master money manager. Building wealth is about managing your money to create passive incomes and living your life without the worry of huge debt. Want to know how to get out of debt and start building wealth?

There are four main phases to be completed to get out of debt. To start building wealth you must first have a plan to and be committed to completing the steps to get out of debt first. Briefly these steps are money mindset, reducing your expenses, knowing which debt to pay down first and investments for positive cash flow.

Step #1 Get out of debt is financial education;

To be successful your entire attitude towards money, spending and investing needs to be changed to that of a millionaire mind. Your money mindset needs to be revise for today’s economy and financial education is the answer. My best advice is to attend a Millionaire Mind Intensive seminar host by T. Harv Eker. At this 3-day event you’ll learn the most important thing, a great money management system. If you’ve read my review at Applying Wealth Education or have attend an event you know how simple it is to become a master money manager. This event is the start of your financial education and will expand your mindset towards creating passive income once your money management system is implemented. You will begin to recognize what has been holding you back and the opportunities right in front of you.

Financial education about how to get out of debt is a critical but knowing how to manage your money properly is a must have skill to build wealth. Want to know how your money skills stack-up today? Just look at your bank account and credit card debt. Before you start any get out of debt action, first build a strong money management system that can grow with your future wealth. Once you are out of debt or start receiving more money there are no guarantees you will keep yourself on the plus side for very long unless you learn to manage small amounts of money first. After all that’s how most of us got into debt in the first place. Simply repeating the same small negative cash flow spending habits again and again.Steps #2 Get out of debt by reducing expenses;

There are two main points about reducing your expenses. First the money you stop spending today will go directly to paying off your debt. Second this “not spent money” will now be managed properly (with the new skills you have from step 1) to generate positive cash flow investments as part of your financial freedom plan. Either way you must start today. The money you commit to not spend is actually a payment to yourself for your future of not having to work anymore. How to reduce you expenses? Like everyone else to start you need to know and understand where all your money is going (that sounds like money management). My advice is to track you spending each month in detail for a few months. There are a lot of great on-line budget spreadsheets out there for free but please make the effort to tailor one to your specific spending habits. The simplest way to tracking spending is to get a receipt for everything you buy and organize them in an envelope with this month’s bills. If you don’t get a receipt then just write a short note on a slip of paper of the item and it’s cost. Once you have your spending trend for a month you can easily pick out the items that are “need to survive” or your true necessities to live. With these necessities of life you have to ask yourself and research how can I save on these “life expenses”? It’s okay to have necessities but reducing the cost of these “life expenses” can boost your bank account quickly. Are you getting the best deal for your necessities? Perhaps just finding a better priced insurance company saves you /month or look into using coupons for shopping. Bottom line get a handle on reducing the costs of must haves in your life otherwise these will just keep increasing. Ah, but do not forget about the others on your spending list. These are the “nice to haves”, much like the three cups of coffee a day at each (that’s over ,000/yr). Do you really need 400 plus TV channels? The obvious answer is these have to go and these are some heart breaking decisions but keeping these unnecessary habits are draining your bank account and blocking your financial freedom. Now some people right now are thinking about moving onto something more entertaining right now but you are going to miss the point. With the money management system and financial education you gained in step 1, you actually set aside a small amount all income for play money to spend guilt free (it’s in the rules you create). Let’s see, the better the money manager you are the more fun you can have. Reducing expenses comes down to simply find out what you are spending your money on, determine if you need it to survive and take action to eliminate the habits that are bringing your bank account down. Remember the goal is to create some positive cash flow by having less expenses in order to pay down debt faster. Make a budget for your necessities and stick to that budget. Plan to be budgeting with a surplus of cash each month to cover the unexpected emergency.Step #3 Get out of debt by knowing which debt to pay first;

So far you have learned to manage your money better, reduced your expenses and thanks to that you have extra money to accelerate paying off debts. But which ones first? How should I pay down debts? First you must make sure each month the minimal payments are completed for every debt or loan you have. This will help to increase your credit score and to help reduce the expense of re-payments by allowing for the potential to lower your interest rates. Now you can decide which debt or loan gets the extra payments. There is a simple but important rule to follow here to get out of debt fast, you want to pay down the debt with the lowest debt to minimal payment ratio. What this means is the minimal payments are paying down more principle of the loan than interest which in turn means you can eliminate that debt quicker. Think of it this way, which debt has the fewest payments left so your extra money is put to the best use first in reducing overall debt. Making the extra payment on the right loan is going to accelerate the re-payment process even more. Then you target the extra payments on the next lowest ratio debt to payment and this time you use the funds that would have gone towards the minimal payment to the first debt plus your expense reduction cash to pay off this next loan even faster. This debt re-payment plan will snowball and get you out of debt. Getting out of debt is not an overnight event it is going to take time and committed consistency on your behalf to gain financial freedom.Step #4 Get out of debt create positive cash flow;Many people do not realize the importance of positive cash flow investments where an asset puts money into your pocket each month as opposed to a liability (negative cash flow) which costs you money each month. Because of this people often fall into the trap of investing in things that may someday turn some a profit but until then they are paying out every month to keep this liability. That’s one way to become a debt master.

Investing for money growth has two aspects, the first being the capital gains from a return on investment and the second is cash flow resulting from the positive cash returns of an investment. Both are important strategies to understand and should be a part of your financial education activities connected to step one. Saving your money and paying off debt is great but it will not make you wealthy. Building wealth means your money must be working for you to increase your bank account each day without your efforts. Sure there are low paying interest bank accounts that claim to “grow your money faster” than any other bank but that’s not enough to achieve financial freedom. Do you know about the rule of 72? Basically divide your interest rate of return into 72 and the result is how many payment periods it takes for your investment to double in size. Let’s see, a saving bank account at 2%/yr means 72 / 2 = 36 years for your savings to double. An investment returning say 12%/yr doubles your money in just 6years. The differences between capital gains and positive cash flow are important to how you manage the money. First, capital gains is basically invest (buy) low and cash-out (sell) high, that’s over simplified but it is a one time cash-in and cash-out scenario. As for cash flow your investment money now buys into an asset which gets small payments back over a period of time that pays off what you originally put into the invest plus more, this grows your money over time and typically you can sell off the asset at anytime if you really need the invest money back quickly. It is very important that an asset investment generate positive cash flow meaning that the income must exceed all your costs related to that asset for each month. Planning and managing an asset to remain as positive cash flow is financial education worth learning.

With these four main aspects and knowledge on how to get out of debt, plus some basic financial education you can start building your wealth today. Remember first strengthen your financial education by attending a Millionaire Mind Intensive seminar near you for a money management system that works, I am proud to provide a free scholarship to the event for you (because I know it will change your life) just follow the link below. Money management and reducing debt are the big steps so get yourself a planned budget and stick to it. Be financially smart with which debt to pay first and get the most out of your extra payments to be debt free faster and onto building wealth. Start researching how to and where to invest your money for greater growth, find a means that fits you and become a financial master in that topic because you are in control of your financial freedom.

About the Author

If you are serious about gaining control over your financial situation and implementing your own money management system, please start by visiting us at Applying Wealth Education ( http://applyingwealtheducation.com/reviews/ ). Our goal is to share knowledge for building wealth, develop a millionaire mindset and for us all to gain financial freedom.

Three Steps To Wealth

Article by Janet Giacoma

There are a number of factors that determine how successful a person will be in an online enterprise. But here are three steps to consider as you think about operating an online Internet marketing business.

Your first consideration is sales. The term sales refers to the dollars that actually come in the door. In an Internet marketing enterprise, sales are a function of the conversion rate that translates site visitors into paying customers. Of course this opens up several completely different areas of consideration. Site traffic is the first and arguably the most important, but then you also need to convert a healthy percentage of those visitors into paying customers. At the end of the day, the measure of your success in this area will be the number of dollars that you bring in the door.

The next consideration is profit. Many online entrepreneurs evaluate their business based on the dollars that flow the door, and pay little attention to the dollars left after all the expenses are paid. This is a tremendous mistake. The profitability of the business is based on what is left over after the business expenses have been met.

An online enterprise has the benefit of reduced cost structures when compared to a bricks and mortar business. Expenses such as office rent, employees, payroll taxes, inventory, and any one of a multitude of other expenses are almost completely eliminated online. Nevertheless however, an Internet marketer still has business expenses. One of the largest areas is in marketing and advertising, but there are other bills to be paid as well. For this reason, the true metric of success of an online enterprise are profits-the dollars left over after the bills have been paid.

The third component of wealth is just that — wealth. Wealth is entirely different from the sales an online enterprise generates, and even from the profits that it makes. An online enterprise that is very profitable and that is producing tremendous cash for the owner, does not necessarily guarantee wealth.

If the business owner’s lifestyle is such that the majority of the dollars that are generated as profit by the business are then spent on lifestyle luxuries such as expensive cars, huge homes, lavish dinners, and all of the other accoutrements of a successful person, wealth is not created. The entrepreneur certainly enjoys a lavish lifestyle, but is not creating wealth for the future. Similar to prophets, wealth is what’s left over after money has been spent. On the other hand, a person who chooses to invest the profits of the business in other businesses, or in money making opportunities is now creating wealth for the future.

About the Author

Janet Giacoma is a business coach and marketer who assists serious entrepreneurs in building a profitable online business with multiple income streams. To contact Janet visit: http://www.BabyBoomersBlueprint.com

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Personal Development – Positive Steps To Self Development

Article by Diggy Tod

Mind is the most effective and powerful self development tool. The fact is that we hardly see it this way. We are continuously searching outside to bring a change inside us. Remember, this can never take place. Personal development is a process that involves improving ones communication skill sets, ones level of confidence, learning manners & fine etiquettes, and adding grace and style to the ones looks and brining in liveliness and positivity. The complete development process happens over a time period. Personal improvement helps to develop and build up relationship and assists in career growth.

The most excellent courses and books on personal improvement teach you know about your innermost beliefs and fears. In simple terms, personal development signifies improved identity & self knowledge and develops potential & talent. Improve quality of life, realize aspirations & dreams, and build up human capital. More importantly, it can help you utilize your mind to face all the troubles that are pulling you down. Remember, the methods may differ but success entirely depends upon motivational factor. A lot of successful courses make people aware of meditation, affirmations, visualization and behavioral analysis. Now, let us go through some tips on ways to allow the mind function its way out of challenges and fears.

Prior to proceeding further, make sure that you are open about negative and positive aspects of the character and be eager to change sub consciousness. Keep in mind, truthfulness is an initial step towards awareness or personal development. Then follows setting of goals, desire to attain goals and strength of mind to achieve those goals. Moreover, for all these one has to be eager to invest sincere effort and time. You need to be well prepared to confront a certain level of opposition, ridicule with family & friends and even resistance. Most of the people find it tricky to say “No” to others.

We all wish to be well known as helpful and very nice. But it is impossible to say “Yes” every time. never do things in a hurry. Also, do not take things for granted. Be determined to emotions in a long run. When it is about individual personal development, key factors that are included are improving social capabilities, maintaining health, improving potential, making identity, self awareness, building up human capital, self knowledge, initiating personal autonomy and many more. The concept focuses on wider field.

personal development is a ground of practice & research. Furthermore, it includes bench marks which define plans or strategies for reaching assessment of progress and good measurement. Even today Aristotle’s personal improvement theories continue to influence western concept, particularly in the human development field. His ideas continue to shape up family values, management & education in Asia and China. He even believed a well balanced meals, meditation and regular workouts can alter the way we think about selves and affect the reactions to particular situations. The moment we begin to improve inner self, we grow as an individual and see a considerable development in quality of life.

About the Author

personal development is a process that involves improving ones communication skill sets, ones level of confidence, learning manners & fine etiquettes, and adding grace and style to the ones looks and brining in liveliness and positivity.

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How to Develop a Personal Development Plan: 10 Easy Steps

Article by Suzanne Glover

When you set out to develop a personal development plan, you want to take a few factors into consideration. Here are ten easy steps that give you a good start:

STEP ONE – TAKE INVENTORY OF YOUR LIFE NOW: First thing to do when setting out to make change is to evaluate where you are right now. So, for at least one week (but doing it for two weeks would be better), notice how and where you spend your time. Also, notice if things take longer than you “think” they should take you. Don’t place any judgment on how and where you spend time, just notice. Be sure to include weekends so you have a variety between work days and non-work days. Keep this step simple. Don’t try to change anything. Just notice your time commitments.

STEP TWO – CATEGORIZE HOW YOU SPEND YOUR TIME: Now let’s categorize each area of your life where time is currently spent. A personal development plan sample that I like has the following categories:

1. Dreams2. Career/Financial3. Purpose/Goals4. Love/Family5. Health

STEP THREE – DREAM ABOUT YOUR PERFECT LIFE: Give yourself permission to take a few moments to dream about your perfect life. While this is only imagination, this exercise opens a portal of inner knowledge that can lead you to your perfect life. Don’t judge any of your dreams. These are your true feelings and ones that will guide you in your own proper direction.STEP FOUR – MATCH UP YOUR IDEAL LIFE WITH YOUR CURRENT LIFE: After visualizing where you would like to take your life, compare it with your current life. Be prepared for this step to cause some pain if there is a big difference between the two. But, this step gives you a “starting point” and an “ending point,” both of which are necessary to set out plans to get from one to the other.

STEP FIVE – ASK, “WHAT SMALL CHANGE CAN I MAKE NOW THAT WILL ALTER MY OVERALL LIFE TRAJECTORY?” Many times making a small change in your current circumstances has stronger ramifications as your life unfolds because it changes your focus. For example, if you decide to take a 15 minute daily walk just to “percolate” how to take the next step for your life, this small action will move your current mindset from “I’m stuck now” to “What’s next and how do I get there?” Over time, this will gain momentum as your trajectory of life broadens because your “rocket” is now pointed to a new planet – the planet of hope!

STEP SIX – FIND A GOOD PERSONAL DEVELOPMENT PLAN TEMPLATE FOR DETAILED PLANNING: There are many personal development plan samples, examples and templates available today. Look for one that keeps it simple because one of the things I have found that is a hinderance when people develop a personal development plan is that they make it too complicated – which, of course, leads to overwhelm and failure.

STEP SEVEN – GET PERSONAL DEVELOPMENT PLAN COACHING: When you are planning out a major event such as your life, it’s a good time to get an objective view of yourself, which is one of the best things about using a coach. Strategizing with someone in this manner can rapidly increase your success rate when you want to develop a personal development plan. Often times, a coach will also have a good example personal development plan.

STEP EIGHT – GIVE YOURSELF TIME TO MAKE THE CHANGES: Often times what stops people from success when they develop a personal development plan is underestimating the time it takes to set goals and make changes. When this happens, it’s easy to get discouraged and give up. So, one of the best things you can do is to give yourself plenty of time to make change.

STEP NINE – VISUALIZE YOUR DESIRED RESULTS: Visualization is very powerful, but there is one important component to doing visualization that many people miss. That component is to actually feel the scenario that you are visualizing. This one portion makes the difference between success and failure.

STEP TEN – HAVE FUN: Many times we get overly serious when trying to make changes in our lives. This serious point of view takes all the joy out of the endeavor and joy is also a critical factor when seeking goal achievement.

By using these ten steps when you start to develop a personal development plan, you are setting yourself up for success, one step at a time.

About the Author

To download a free copy of Suzanne Glover’s “Create Your Own Life – Personal Development Plan, Life Plan Workbook,” visit her Personal Development Plan article at Effective-Positive-Thinking.com where she gives more free tips and advice.

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