Writers are not just people who sit down and write. They hazard themselves. Every time you compose a book your composition of yourself is at stake. E.L. Doctorow
TRUTH
TRUTH
19 Oct
Aside
7 Tips to Build THE LinkedIn Super Network
18 Oct7 Tips to Build THE LinkedIn Super Network
Social networking has increased internet use and become a boon to big and small businesses alike., LinkedIn may just be the most critical as many business owners and decision makers congregate there. The key to making it work is to not simply connect with your cousins, bros, and frat members, but cultivate, unique and critical relationships with both other business owners and potential clients.
However this Super Network won’t happen in 24 hours. I’ve got 7 tips to get you the true benefits of a LinkedIn
1. You must Optimize your profile: right out the gate the easiest way to do this is change your profile picture. LinkedIn considers this freshness so to speak and it may help your ranking when others are searching for just what you have or are.
2. Tell people who you are, who you help and how you help them in your headline: If your headline communicates these it will grab a person’s attention. If I don’t read your headline and know exactly what you offer and why I need you and not the next guy in the cue- you’ve already lost me. Be clear and compelling folks.
3. All current and past work experiences must be filled out: People are always looking for you. Maybe not you but what you offer and a past acquaintance may be just the thing to swing their vote in your favor. When you list all of your places of employment, including where you went to school, you create a vast net for catching those who are a perfect fit and those who need your resources and skills. Also these connections may be through people you don’t know personally but through other relationships you’ve made.
4. Join targeted groups: This is perhaps the most effective way you will connect with professionals of the same mindset. These groups are filled with people serious about their LinkedIn network. These are the folks looking for deeper connections. Participation in these groups fosters a greater exchange of knowledge between you and others.
5. Create a targeted group: Leading a group can give you a certain level of credibility. It also allows you to connect with serious professionals on your field.
6. Use personal invites: I think these surpass connection requests. This is the first time people hear from you. So make what they see count. Be cordial, engaging, and helpful.
7. Endorsements and recommendations go along way: This will enhance your profile. However done wrong you are self-sabotaging. Mass/generic e-mail to clients or colleagues asking for written recommendations etc isn’t proper. . 1st, make a list of those who have great stories about you to share. 2nd, contact them personally. A call is best but a personalized email will do. Let them know your intentions and discuss how you helped them in the past so they know what story would work best. Endorsements are the same, and are a simple click of the button too. And don’t forget to let them know you will be endorsing their strong suits, or unique skills as well.
#Marketing Tip:
16 Oct#Marketing Tip:
A key part of building your brand is promoting a polished and consistent image. Your image is reflected in everything that represents your business – logo, business card, packaging, tag-line, etc. To make a lasting impression, be sure every aspect of your marketing strategy mirrors that image in design, color and overall appearance.
Find Your Rhythm (Find Your Fuels 3rd installment)
15 OctFind Your Rhythm.
Life moves fast. And odds are you are wasting a hefty amount of time not by being unproductive but by being off point. Ever notice that when you’re in the groove things work in an almost magical way. Your stars align, the trains on time, and the dry cleaner made your suit ever so crisp.
The secret here isn’t vitamins or magic incantations or mystical blessings.
It’s Finding Your Rhythm.
-Go With Your Gut.
At every turn their are options. You have to focus and learn to know without knowing. And no, I’m not a Jedi. What I am saying is that we all have an intuition. Intuition let’s you see what’s coming albeit not as clear as a picture. Intuition is what I consider to be my guiding light. It will show me many paths and usually in an order that precipitates growth, peace, or success. I’ve had my intuition show me danger and save me from it. Literally. I’ve met people who would bring me harm or rob me of my peace. And intuition has shown me out the gate that these people are poison. And so I avoided them. This is really important folks. Many people will disrupt your rhythm. In fact they may come into your life only to do just that. Many people thrive on bringing failure to others. And knowing to avoid them alone will bring you unparalleled success. This is essential when picking your team folks.
Intuition will help you feel what avenue to travel on the road to success. Ever worked a job you hated? And from the first day it felt wrong? There was a voice inside of you that knew this wasn’t right. At that point you were out of your rhythm. Not every dollar is a good dollar. And most jobs we take can be equated to slavery. Why you ask? Because even though you are paid you are suffering the whole time. Someone else is winning off of your efforts. For me I feel this a lot. I have a great job. Love it. However it isn’t what’s best for me. Rising to the top as an entrepreneur is. How do I know?
The idea brings me peace.
The idea has been there since critical thinking’s inception in my cranium.
And as my intelligence has grown so has my intuition. And both tell me its time to fly solo.
-Dancers.
Lastly have you seen Dancing with the Stars? A lot of these people can’t dance. They have no rhythm. They are out of sync. And it shows. Do you see where you are out of sync? Are you aware you are off rhythm to the Beat of Life? Finding your rhythm will be akin to fresh air. It will be like enlightenment to a Buddhist I hope this last bit of imagery illustrates how important it is to Find Your Rhythm.
#findyourfuel.
#thriveorsurvive.
“Change the way you look at things and the things you look at change.” Wayne Dyer
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The Most Powerful Training Tool | Arnold Schwarzenegger
14 OctA REPOST/GUEST POST. AMAZING. READ IT.
The Most Powerful Training Tool | Arnold Schwarzenegger.
The Most Powerful Training Tool
By Zach Even – Esh
I was a sophomore in high school, the year was 1990 & I found an opportunity to see what bodybuilding books were floating around. Arnold’s ‘Education of a Bodybuilder’ was 1 of very few bodybuilding books.
I noticed no one was taking the library books out. The last time the book had been signed out was over a year before. I quickly thumbed through the book and the black and white photos fired me up immediately.
I signed the book out and began reading the book during study hall. I took the book home and read at night. I read the book in 4 days and didn’t stop reading the book for 3 years straight. Every time I had to return the book I signed it out again…and again… and again.
I would lose myself and find myself at the same time while reading the book. I related to Arnold when he spoke about being the outcast amongst his friends and the community as they constantly questioned why I wanted to be at the gym every waking moment of every day.
I would begin doing my homework at the gym just so I could be amongst the weights. Hearing weights clanking, heavy barbells dropping to the floor and dumbbells being placed aggressively on the dumbbell rack made me feel like I was at home.
The earliest gym I trained at was a very basic gym, nothing but free weights and some heavy cable machines. The biggest, strongest, most muscular guys were those who stuck to the basics, remained consistent and didn’t complicate things.
Then, there were the “other guys”. These guys read the newspaper in between each set or spent time with endless gossip between sets. When they actually DID their set, I noticed they never had the mind to muscle connection. They were simply going through the motions.
Those guys seemed to NEVER gain an ounce of muscle OR strength. I was shocked by such a disconnection and questioned why these men weren’t as excited as I was to train. I couldn’t wait to wrap my hands around a barbell or set of dumbbells.
I quickly learned that the ticket to success was TWO key factors:
1) Experiencing Joy / Having Fun when you train. This can ONLY happen when you are passionate about the type of exercise you do.
2) Creating a DEEP connection between mind and body.
“The Body Is Very Important, But The Mind Is MORE Important Than The Body…”
~ Arnold ~
Although this story dates back to my days of training as an up and coming bodybuilder, these 2 key factors are not only applicable for bodybuilders. It goes for ANY form of exercise.
If you are having a difficult time finding motivation to train, then you must focus your time and attention on doing the things you LOVE. What activity is FUN for you? What physical activity gives you joy, excitement and passion?
Find it and DO it. Don’t discriminate against the type of exercise, just DO something. Now, when you engage in your training, get in there and go for it ALL the way with all your passion, energy and excitement.
Having trouble getting excited? Sign up for ANY up and coming challenge such as these adventure mud runs, races, etc. Create a group amongst a few friends and train together. Turn EACH & every workout into a competition.
– Who can run 1 mile faster?
– Who can do more reps on the heaviest set?
– Who can lift heavier?
– Who can lose more fat in the next 30 days?
“If You Think Along The Way That You’re Not Gonna Fail, Then You’re Blind….”
The road to improving yourself will NOT be easy. Yes, it is challenging and yes, there will be times when you just want to rest, take it easy, get a break. This is where the mind comes into play.
You MUST find a deeper reasoning for WHY you are exercising and why you are focused on improving your health. You will likely find that the goal of bigger biceps and a 6 pack set of abs might not motivate you enough.
It’s all about seeing what is important to you at this stage of your life. Do you have grandchildren? If so, the greater your health the greater your time will be with them to see them grow up, get married, experience success and more.
Do you have kids of your own? Your family needs you to be strong, confident, energetic and healthy.
When you can’t seem to find that WHY, do what a close friend of mine had me do. Get your cell phone and pull up a picture of the person(s) you love the most. Look at that picture and think deep down WHY they need you to be stronger & healthier, not just physically, but mentally as well.
“If You’re Afraid Of Failure, Then You Will Never Grow….”
No matter how hard you work.
No matter how perfect your eating habits are.
If your mind is not positive and deeply connected to each and every workout, your results will be “road blocked”. If you fear changing your body because you are used to being unhealthy, overweight or weak, then you will remain stuck in the same place you are currently at.
You will need to train your mind along with training the body. I learned this the hard way when I was younger and suffered through a bout of depression. No matter how hard I trained…. No matter how perfectly I ate…. not one ounce of muscle was gained, not one ounce of strength was gained.
I learned the hard way that the mind controls everything.
The day that I began changing my mind, my body immediately followed and I began gaining more muscle immediately.
How can you train the mind to become stronger? Training your mind will go beyond your workouts. Your mind needs exercise just like your muscles do. Read books, listen to audio inspiration, watch movies, ALL of which should inspire and motivate you to achieve greatness within. Oftentimes autobiographies and stories of other great men and women will inspire and motivate you. You’ll quickly learn that ALL great men and women have faced struggles while refusing to back down from them.
Go back and read Arnold’s ‘Education of a Bodybuilder’. Read the autobiography of Muhammad Ali, watch Rocky, etc. You will quickly learn that the common theme amongst successful people is their ability to face their fears, the willingness to do what others make excuses about doing, the discipline to climb upward while others quit.
If there are naysayers or people in your life holding you back you must refuse to listen to them & find ways to distance yourself from them. Learning to block out the negativity of others while focusing on the change you desire to have will be your first step in moving towards conquering your goals. Use this powerful mindset towards achieving your goals in health, fitness AND life to achieve success beyond your physical body.
“The People That Grow The Furthest, Are The People That Really Don’t Care…. ”
In closing, I’d like to remind you with something I’ve learned through the years. I’ve learned that everyone is capable of achieving success. That’s right, EVERYONE is capable, but not everyone is WILLING to do the work in the physical AND mental aspects to achieve the success beyond the norm.
A small few refuse to allow the tough times to hold them back. A small few refuse to allow their environment to dictate who they are and what they become. You MUST decide what your goal is and when you decide, draw a line in the sand and NEVER turn back, NEVER look back.
As Arnold said, “The body is very important, but the mind is MORE important than the body.”
Your success begins in the mind and MUST be coupled with daily actions. Do your 1% everyday. EVERY DAY. To ensure your 1% is even more powerful, do your 1% first thing every day. This will kick start your day. You’ll find you have more energy, more enthusiasm and more excitement for everything in your day.
Take action NOW. There is no need to wait until tomorrow if you truly want to create more success for yourself. I KNOW that as soon as you begin approaching your workouts and your life with this mind and body approach, you will have greater success in all areas of your life.
ALSO CHECK OUT: Arnold’s Epic Giveaway! Win a personalized voicemail message by Arnold!
ABOUT THE AUTHOR
Zach Even – Esh is the Founder of The Underground Strength Gym located in NJ. A loving husband & father, Zach is committed towards helping others achieve success in mind, body & life. Zach is the creator of numerous books, DVDs & training programs, all of which have been inspired from his 23 years of in the trenches experience.
Website: http://ZachEven-Esh.com
Facebook: http://facebook.com/zachevenesh
Twitter: http://twitter.com/zevenesh
Guest post from the Esteemed Corey Woods: The Top 10 Car Maintenance Tips That Save You Money
13 Oct
10 Car Maintenance Tips That Save You Money- By Corey Woods
To save money on the maintenance of your car, you need to do the following regularly without fail. That way, you could save 20%-30% on your cost of car maintenance annually.
1. Ensure your car is road worthy.
Many people drive cars that are not expected to be on the road again, either because of the ages of the cars or their poor maintenance records. A car is a machine, and just like any other machine, it has an economic life span depending on its maintenance records. It is always advisable to rest any car that has become too expensive to maintain. The bottom line is cost. You can always trade in your old beat-up car for a newer model if the cost of maintaining it has become prohibitive.
2. Tune up your car regularly.
This should be done at least once a month. A poorly tuned-up car uses up to 30% more gasoline each year. It is cheaper to pay for and regularly tune-up your car than to let it be. This you can do at your regular car maintenance garage if you can not do it yourself. Your regular car maintenance Engineer or Mechanic may even at times tune-up your car for you free of charge.
3. Regularly change the oil and oil filter in your car.
It is not enough to just change the oil, you must ensure you use high grade oil as recommended by your car maintenance Engineer. Follow the owner’s manual religiously and change your oil at 2000-4000 kilometers of regular driving depending on the make of your car. More frequent oil changes play a very significant role in extending the life span of your engine. Any time you change oil, ensure the oil filter in changed too. These oil change expenses will more often than not pay for themselves in savings on repairs and engine wear.
4. Check your tire pressure regularly.
Tire pressures should be checked at least once a month. Low pressure tires cause “drag” in your car which makes it to require more gasoline to maintain speed. You can lose up to 4%-6% in gasoline mileage for every pound of under-inflation. Compared to the cheap cost of keeping your tire pressures inflated to recommended standards, gasoline loss through low pressure tires is considerable.
5. Check your engine air filter every month.
A dirty air filter shortens the engine’s life and reduces gasoline mileage up to 10%. You can clean up the filter by removing it and blowing accumulated dust particles off it with an air hose, or you can replace it when you notice significant damages to it.
6. Use only recommended tires.
Ensure you use the right type of tires for your car as recommended by the manufacturers. Alternatively, steel-belted radial tires have a wide acclaim for safety so you can use them but you must make sure such tires are not expired. Using good tires with the right tread and radial size can increase your gasoline mileage from 5%-10% per year. This amounts to plenty of savings.
7. Check fluid levels regularly.
These should be checked every morning if the car is old and once a week if fairly new. Low battery water shortens your battery’s life. Radiator coolants, automatic transmission fluid, brake and clutch fluids are fluids that must be available and in the right viscosity and gauge to enable your car function properly. Any one of these fluids that is short or empty can lead to improper functioning of your vehicle. That can expose it to brakes failures and other problems which could lead to engine damage or even crashes. Engine damage is by far more expensive to repair than these routine maintenance checks.
8. Use only recommended gasoline for your type of car.
Unless your car is so old and completely beat-up, it is proper to use unleaded gasoline. Even though in many advanced countries, there are various grades and prices of gasoline, a costlier gasoline adds no specific advantage except it is your car manufacturers’ preference. Take the advice of your car maintenance Engineer because for most cars, premium gasoline offers no significant benefit. Unless your car has a high-performance engine or your car manufacturers recommend high-octane gasoline, use the less expensive one. You can save 5%-10% on fuel costs annually if you use the right fuel that is of lower cost.
9. Ensure your car tires are balanced.
You can add thousands of kilometers to the life of your tires by having them balanced twice a year or even more often if you drive regularly on rough roads. In addition to destroying the tread, improperly balanced tires can wear out your shock absorbers and damage your suspension system, leading to higher expenses or even accidents.
10. Ensure your car tires are properly aligned.
Check your tire alignment regularly say about four times a year depending on the type of roads you drive on. Poor alignment leads to uneven wear on such tires particularly the front tires. It can reduce the life span of tires and may expose them to other more dangerous damages. Compared to the cost of buying new tires regularly, the cost of regular tire alignment is insignificant.
Budget stretching is inevitably everyone’s concern these days. Saving costs therefore particularly on essential and regular expenses is a smart thing to do particularly in these hard times. You can save plenty of money on your car maintenance expenses if you take these tips to heart. That aside, it is good to think safety all the time even while lowering costs.
Get more great content from Corey Woods at: http://bit.ly/UYuPp9
#thriveorsurvive.
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Economic Reality?
11 Oct“Gentlemen, I have had men watching you for a long time and I am convinced that you have used the funds of the bank to speculate in the breadstuffs of the country.
When you won, you divided the profits amongst you, and when you lost, you charged it to the bank.
You tell me that if I take the deposits from the bank and annul its charter, I shall ruin ten thousand families. That may be true, gentlemen, but that is your sin! Should I let you go on, you will ruin fifty thousand families, and that would be my sin!
You are a den of vipers and thieves.”
— Andrew Jackson (7th US President, when forcing the closure of the Second Bank of the US in 1836 by revoking its charter)
Your Feelings on Taxation May Indicate Your Success Ceiling
10 OctYour Feelings on Taxation May Indicate Your Success Ceiling.
Touchy subject, I know. And folks outright I’m telling you- pay your taxes!
No ifs ands or buts!
The issue I’m talking about today is fearing the tax man. If you play it straight there is no need. So let’s break this down a bit.
Also I’m not a licensed financial advisor so everything I state is conjecture and opinion.
Aka I’m not liable ;).
I have a coworker who does 90 to 100 hours of work a week. And that’s between two jobs. At his night job he’s a supervisor. And in the day he’s at the bottom of the pay scale. When I approached him with simple ways to raise his pay via union and or company related methods that were low cost he said ‘naw then I have to pay more taxes.’. He essentially turned down about 10 to 12 grand in extra income to do the same hours, same labor. I’m sorry folks but in my book that is the definition of insanity.
He has dependents.
He has a home.
His spouse has a home based business.
These are all great tax deductions.
Also he could make that money and have it go to pre-tax retirement funding or medical funding plans to offset future costs. See he would in essence be funding both his present and his future with the governments blessing. He’d also gain peace of mind and some extra coin in his pocket.
However he won’t do it. Which leads us to the next issue.
-Self imposed failure
Folks I’m not being mean. I’m not a jerk either. I just call an ace an ace and a spade a spade. What my coworker is doing is self imposed failure. Simply put that is when you are the author of your own disaster. Sadly this ruins more entrepreneurs than competition. Fear of taxes and the long arm of the irs is gutting people. Look at the coming elections and the current fear many business owners have. Taxes from healthcare, 75% tax brackets in france. People who can are avoiding it and saving wealth and others are simply self sabotaging. I personally am more scared by the fear. The only way to beat the system is to learn it’s rules. The tax code has ways to enable you. Get a great CPA. Not the local guy. Learn the rules. Life is chess not checkers and as such you have to move from that mindset and rule group.
-Owning your own business can help stave off taxes legally.
Lastly, if you are scared of taxes don’t be. Uncle Sam rewards those who give back by creating jobs. The people who become the stopgap are those who will be richly rewarded. When you make a greater effort there is a greater reward. Its that simple. Ever put your all into something?
What did you reap? I bet more than you did when you put in less effort. See Jeter, Jordan, Bloomberg and the rest. To get to the top you have to put your all in.
I have chosen the independent route. While I will keep my day job for now- I will be minding my business full time. It is the true way to survive. And while I’ve had a few failed options my learning curve has been tremendous. And all the while I reaped the rewards of tax benefits I earned legitimately. And its a good feeling. I earned income. I lost income. And I got tax breaks in all instances. It works folks.
If you step out of your comfort zone you will succeed.
Basically folks if you fear taxes you are living with a self imposed ceiling. You have literally told your mind and subconscious to program failure as the main option and catalyst. When fear becomes the strongest advocate your horizons shrink.
Let your life be more than that. If your tax bracket makes you feel pressure GOOD!!!
Pressure creates diamonds. Don’t let the fear of a small tax bill impede dreams of great wealth.
What is a million dollar tax bill to a billionaire? (And even that bill can be worked with via the United States governments legal tax code!).
See the point?
#findyourfuel.
#thriveorsurvive.
“Things work out best for those who make the best of how things work out.” -John Wooden
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FIND YOUR FUEL 2
9 OctFIND YOUR FUEL 2.
So I started this journey with you guys last week. Finding Your Fuel will be a small series. Succinct. Concise. Motivating. That’s it. Its a concept that came to me late one night while going through my blackberry and sorting ideas and concepts that I’ve stored or just recently fleshed out.
I’ve assembled a few steps to walk you thought the process below.
-Agenda 1
*Meditation.
Meditation will help tremendously.
Meditation clears the mind and the heart. It will help illuminate a clear path. Indeed it will show you what really exists within and what truly resonates with your soul.
Meditate every day at least once building to a 20 minute span. Start with 5 minutes if need be.
*Eliminating distractions.
This is a big one too.
Tv, HD, PS3, LED, PSP vita, ugh! No. No. No.
Limit or remove these distractions. The bar, the friends, all are too distracting. Try books. Try the gym. Try yoga. We can’t be balanced only chasing one goal. So breaking up your day into positive increments is a great idea. Whatever eats at your growth eats at your dreams. Would you trade your soul for abs? Exactly.
*Task lists to remove distractions and clear mental clutter.
Organize your goals, dreams, chores. Everything. I have daily lists, a wish list, a dream board- all that. I also broke down on a list how much money I have to make for my wife to stay home with the kids. And when I broke that number down to an hourly rate its small. And you know what that did for me? Created massive hope. And a reachable goal. Aka a finite target. Not a wish. And also the organization is pretty nifty too folks.
-Agenda 2
*Forgive the self.
A lot of people have hang ups that hold them back. And a lot of us conquer these hang ups but don’t forgive ourselves.
Forgive yourself your mistakes, and faults. It is so easy that it is hard.
*Forgive others.
Holding grudges will poison your soul. It will kill your heart, steal your joy, and ruin your business. None of this is productive. None of this will build your business or clear your heart. Let go of it all. People change. Times change. Grow my friends.
*Move past the past.
Your past isn’t your present. And it sure as heck isn’t indicative of your future.
Let yourself see where you are and where you are going. Nothing Else. The rest is irrelevant. Forget what was done.
YES you should build off past accomplishments.
NO you shouldn’t dwell on it.
Determine exactly where you are at and where you aim to be. If you are stuck in a rut at step 3, and there are only 5 steps- hell you are 60% done! And life is the same exact process. You may have ran before your legs were shattered- and know u have crutches. Focus on the laps you will run.
Nothing matters but where you are going. That being the case get their.
Self enlightenment.
A side note on the above agendas- These steps will produce self enlightenment. This is simply a true awareness of who you are. And this will define your actions. Motives and actions will materialize and make sense. This is something we all need and should aspire to have.
-Agenda 3
*Give. Tithe. Whatever.
I’ve never seen this not work.
It will soothe the soul. It will help others. It will build your business and it will build your heart. Give to your church. Give to the poor. Give it all. Okay not it all but sharing is caring. And it works. You don’t lose when you care. Also the infinite rewards those who give.
To those who much us given, much is required.
It’s time to step up to the plate.
#thriveorsurvive.
“I don’t want to believe I want to know.”
-Carl Sagan
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2 Quick Credit Fixes You Probably Haven’t Considered
8 Oct2 Quick Credit Fixes You Probably Haven’t Considered.
A lot of what I discuss on here is how to build a business or what mindset to have or avoid. Every now and then though its finance time my friends.
Today I’d like to discuss two quick credit fixes for the average joe. Credit can make or make you and literally cost you 100s of 1000s of dollars over the course of a mortgage, car, or student loan.
So let’s save you Money!
-Increasing your existing Credit.
A quick fix that most everyone is going to hate me for suggesting is to INCREASE your credit limits by taking out more lines of credit and more credit cards. Consistent approvals and credit limit increases will increase your credit score and your ratios in a favorable manner. Every time you are denied you lose two points. When Amex gives you a new account with them and a low to high limit though, you win. Even a $300 dollar increase still adds to your available credit. You always want a lot of available credit. Now in this economy people are scared. They are avoiding credit, hoarding cash, and living in fear. Fear doesn’t feed the kids folks. Fear doesn’t have dividends that pay quarterly.
Increase your existing limits. Heck call every six months and ask for a credit increase. Speak cordially and state your case. Your case should be that you miss no payments and are a member in good standing etc. They can only say no right?
If that fails, ask for a reduction in the interest you are paying. Even a quarter percent will add up over time. And again-
They can only say no right?
-Debt to credit ratio.
This ratio should be below 30% percent ideally. If you reduce your spending and or pay down the amount you owe to that level or lower and keep it below said threshold you will win. Having a lot of credit is good. Its actually a high need in your personal life and in your entrepreneurial endeavors.
The more credit you have the better you are to meet fiscal challenges. Not necessarily to save your personal pockets- but in a business you may need it.
And using credit, BUILDS credit! Amazing system huh!
By reducing this ratio you will see great results in your credit report, credit score, and fico score.
-Lastly don’t cut up those cards too quick.
A lot of people think that rather than practicing self control it is easier to cut up the cards and end the access. And that’s fine- if you cut them up ONLY. A lot of people cancel their cards to avoid debt and cash flow slavery. However when you cancel one of your credit cards you shrink your income to debt ratio. Ex: before you had 3 cards with $3000 limits respectively. So you effectively had a $9000 credit limit. Now when you cancel card 1 you are down to $6000 of available credit. And if you use $3000 of said credit you have a 50% ratio-OUCH! Credit companies, banks, etc don’t like that ratio. If you had that third card you would have a 33% ratio- a preferred percent.
So folks. Be grown ups. Don’t use that card. Heck don’t even cut it up. We are grown ups. And we are entrepreneurs.
Self control is the basis to success so practice, practice, practice.
#thriveorsurvive.
“The lack of money is the root of all evil.”
-Mark Twain
Thoughts? Concerns?
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Tony@Changeinadvance.com
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tee site
silverfreedom
tee pic and site
Changeinadvance 