Who are we becoming personally? If we win personally, we win professionally. But we cannot do it the other way around. When we set and achieve personal goals, and live according to our values, we will be propelled toward a more satisfying and fulfilling life both at home and at work. As we head...
Financial leverage is the borrowing of capital to invest with an expectation the return will exceed the cost of the capital. Financial leverage may or may not be a benefit during differing economic conditions. For example, financial leverage with subprime debt was bad for banks during the...
If you want to improve the chances of accomplishing a goal, don’t just broadcast your ultimate goal to everyone. Instead, be accountable to someone you trust for completing the action steps required to accomplish the goal. It’s fine to share a goal with someone because it will help...
Obtaining a construction loan is not easy. Improve your chances of acquiring construction financing by assembling an experienced development team which includes: a real estate broker, an architect, an engineer, a general contractor, and a mortgage broker. The presentation and the audience of the...
“The important thing is not to stop questioning… Never lose a holy curiosity.” Albert Einstein Without curiosity, our daily tasks become routine, without meaning or importance. Curiosity helps us enjoy what we do and allows us to grow and learn new things. Curiosity is vital to...
If you do any running at all, you’ve seen or heard about minimal running shoes. Minimal running shoes became popular after Chris McDougal’s book “Born to Run” was published in 2009. He promoted barefoot running as a more natural way to run, healthier for your feet and...
A growth mindset is an attitude of optimism. Its a way of thinking that creates a passion for learning and growing by believing that our creativity, character, personality, and intelligence are constantly changing and developing for the better. However, a fixed mindset is an inherent belief...
When we think we have the only right answer that’s when we are at our riskiest moment and most vulnerable to making a mistake. I am not talking about the daily, mundane decisions we make every day where we’re using basic common-sense; I am talking about important decisions that...
The motto “Eat less and exercise more, and you will lose weight and be healthy!” is not that simple. I used to think I could exercise more to compensate for eating junk food. But, you can’t outwork a bad diet. When I was young, I thought I was invincible in so many ways and my...
Know Your Lender’s Track Record Be smart from the start. To save time and reduce stress when looking for private money real estate financing, research the lender’s track record and references. Look for a private lender that values integrity and has the results to prove it. Many times...
1) Know how Net Worth is Calculated Net worth is the difference between your assets and liabilities, calculated as: Net Worth = Total Assets – Total Liabilities While your liabilities are easy to calculate it can be challenging to determine accurate asset values. It is best to make...
Increasing leverage or debt is an alternative to raising capital through giving up ownership equity. However, giving up ownership equity can be costly and is usually more expensive than debt. I often get the request from a borrower asking, “How can I get a larger loan amount to take...
Often prayer and meditation to the layman are misinterpreted to be synonymous. But they are two distinct practices; both produce better health in different ways. What is the definition of Meditation? To engage in contemplation or reflection, It’s about becoming self-aware and present at...
The Ketogenic diet or what is commonly called the Keto diet is a low carb, high-fat diet. Once you have implemented a low carb high-fat diet consistently over a period of time, your body becomes known as “Fat Adapted,” where the body is now burning fat as its main source of fuel...
Discipline by itself doesn’t produce results. It’s how you use discipline to train yourself to create good habits that makes the difference. People that appear to be highly disciplined practice good habits. They understand that discipline and habits go hand-in-hand, but it’s the habits...
In business, there are three essential elements necessary over the long term to remain sustainable. The three essential elements of long term sustainability for any business are access to cash, having the right people, and the latest technology. All three elements are key to long term success...
Fasting has been around for thousands of years. It is nothing new. Fasting is abstaining from all or some kinds of food or drink for a defined period of time. There are many types of fasts: Juice fast, cleansing fast, partial fast, liquid fast, diagnostic fast, protein fast, and religious fast...
People decide habits and habits decide our futures. We often discount the power of habit in our lives. We think we can decide to do something and make it happen! But without the effort of an ingrained pattern or routine, we have established it’s nearly impossible. Life is short. We should...
Running on a flat, hard surface pounding the same step after step or running on a treadmill with no change of scenery can be boring, but trail running constantly offers something new to see and learn about. Trail running provides an opportunity to improve your health physically, mentally...
Everything is better with more of God. I can’t help but notice creation and the complexity and the variety of creatures all around us. I don’t believe it was by chance people and all the creatures on land and in the sea randomly appeared. There is something responsible for such...
