A New Year Brings New...What?

Before I forget:

HAPPY NEW YEAR!

2008 has been a year for the books, filled with amazing highs and devastating lows, for the world and for me, personally. But you can probably say that about most years, given that during the course of 365 days a lot is going to happen, both good and bad. Sure, this past year has seemed to have more than its share of misery, but I prefer to dwell on the positive, on the good, not only for what occurred during 2008, but moving forward into 2009. Bad things will, unfortunately, happen this new year, but with them plenty of good. What about for you and me? What is in store for us on a personal level?

While we are unable to control many situations or events or catastrophes or wondrous occurrences that befall or enlighten us over the course of our lives, we can do a few things. Like set goals.

A new year brings with it resolutions. This time of year you see countless posts and articles discussing resolutions and goals that you WILL FINALLY DO this year. Changes in your lifestyle, health choices, careers, relationships, finances, what-have-you, that are so important that you put off attempting to achieve them for months, just so you can set them as RESOLUTIONS to ignore throughout the coming year. To that I say:

DON'T SET NEW YEAR'S RESOLUTIONS, SET GOALS THROUGHOUT THE ENTIRE YEAR!

The following is a post I wrote about goals back in July of this past year. I talk about the importance of not only setting short-range, mid-range, and long-range goals, but also the necessity of reworking and constantly tweaking your goals throughout the weeks/months/years. After reading the post you may notice that I have reworked and tweaked some of my own goals in only a few months, which underscores the importance of setting goals, or resolutions, throughout the year, and not just at the end of it.

I hope all of you have a healthy, prosperous, happy, and wonderful 2009! I know I'm going to. Why? Because it's one of my goals.

peace,

Mike

----------------------------------------------------------------------------------

A LIFE WITHOUT GOALS IS A LIFE UNFULFILLED.

I didn’t want to write this post. Not because I don’t have a passion for the subject matter—I live for goals! I just didn’t feel like sitting here, pen in hand (yes, I write the old fashioned way, with pen and paper; I then transfer those scratched out words to a word document, and then I post it to my blog—it works for me) vexing my brain into coming up with today’s post. But here I am, writing about the necessity of goals in our lives, despite desiring to be elsewhere. Why? Because I have to—it’s one of my goals.
Recently, I decided that I would write three blog posts a week—on Monday, Wednesday, and Friday. I visit dozens of blogs each day, taking note of content, style, and frequency of posts, and based on that figured that three was just about right. That number also fit in with my wanting to write about the three main themes of livelife365.com--Health, Personal Development, and Entertainment—each week. After making this decision, I then made it a goal. Being serious about my goals, and today being Friday, I felt compelled, bound by self-promise, to keep my word to myself. Ah, goals!

I am a firm believer that to be successful in life one needs to have a plan. Now, I also understand the need for spontaneity and that I am unable to “control” a lot of situations, realize that life often tosses us curveballs of fate, both ominous and serendipitous, that my plans or goals make little dent in. For that I like to say, “Worry about the things you can control and not about what you cannot.” What I am getting at is the gist of this post, and that is: Take charge of your life by setting goals!

SHORT-RANGE GOALS

Let’s say you’re trying to lose weight—I strongly suggest setting a weekly goal to strive for. For me, when I lost 40 pounds in six months, I set a goal of losing two pounds a week as something to shoot for. My short-range goals also included weighing myself daily, keeping a diet journal of everything I put in my mouth, and counting calories consumed and burned. A lot of effort, but well worth it—it worked!

Set clearly defined goals, but make sure they are not too easy or too difficult to attain. If they are too easy, then raise the bar; find yourself something worthwhile to shoot for. But don’t raise that bar too high—if a goal appears unattainable, then you begin to lose faith, get frustrated, regress, and sometimes give up. It is a challenging balancing act, but if you put some thought and effort into it, you’d be surprised at how effective your results will be.

Speaking of effort—setting, maintaining, and reaching goals is all about effort. Hard work. You will get out of it only what you put into it. If you are serious about changing your life for the better—physically, intellectually, financially, spiritually, relationship-wise—and bringing more purpose and fulfillment into your days, it takes some work. Work well worth the effort. But you need a plan. You need goals.

MID-RANGE GOALS

Have you ever sat in a job interview, or maybe just a performance review with your boss, and heard this query: “Where do you see yourself in five years?” Big groan, right?

Most of us are just trying to survive today, or at least this week, month, maybe year. Think about five years for a moment—it seems like a long time, but, for me, at least, these last five years have flown by! If you are not where you want to be now, chances are you did not give enough attention to your goals five years ago—make sense? Put another way: If you see yourself five years from now in a better career, nicer home, married with children (or divorced, free, and consuming fruity beverages on a beach in the Caribbean), you will need to start planning NOW. Start setting goals.

• Make a list of your dreams and goals
• Make a plan of how to attain the above
• Set a doable timetable
• Put forth the effort
• Remember that there will be snags, forks in the road, challenges and adversity along the way, so…
• Don’t be afraid to reassess, tweak, and refresh your goals. As you evolve, so do your goals.
• Stay the course, never give up, dream, and live!

LONG-RANGE GOALS

When I think long-range, I think ten years or more, maybe longer. What I’m really trying to say is—when can I retire? And: how much money will I need? Also where?

A few years ago, I made a major commitment and decisions that would greatly determine when and how well my wife and I would retire and live. How did I go about doing this? I set goals. Sensing I was nearing the end of my prime earning years, I made a concerted effort to work more hours, earn more money, so we could save more. I set short- and mid-range goals for contributions in our 401k plans, upping the percentages each year until we eventually hit our maxes. I reworked our budget to help meet these goals (a good practice to do at least once a year), cutting spending here, sacrificing there (here’s a helpful video to get you started in the right direction), without compromising our other goal of enjoying our lives today.

These are just some of my goals. Your goals will be different, and they will need different strategies and planning. No matter what your dream life is, what goals you need to work on to achieve it, the more effort you put forth the better your results will be. Focus, plan, work hard, and you’re on your way.

Set goals and stick with them and your dream life, before you know it, will become reality.

Remember: A life without goals is a life unfulfilled.

Wow, for a guy who didn’t feel like writing, I sure wrote a lot. Why? Because it was a goal.

peace,

Mike

How To Survive an Election Year Financial Meltdown

I am republishing this post about dealing with the recent highs and lows (mostly lows, sadly) of our economy. Last week's losses on Wall Street were the most for one week in the history of the New York Stock Exchange. Lots of people, fearful of losing more, may have joined in the panic and sold, sold, sold. I hope this was not the case. Today (Monday, 10/13/08) the Dow gained back almost half of those loses from last week, the highest one-day gain since 1933. As this post states, do no panic. Stocks historically go back up. I am not saying that the bad financial times are behind us, they are not. But what I am saying, again, is not to panic, practice patience, and enjoy the things in your life that you can control.

Please also enjoy:

How To Survive an Election Year Financial Meltdown

I know what some of you are saying, "Why should I listen to what you have to say about the economy? You're a self-help guy, who specializes in healthy lifestyle and personal development, as well as makes funny (goofy) videos and goofy (funny) parody songs."


Why? Because in dire times like these (seen the Business headlines recently?), during the most important presidential election of our lifetime, it takes a commonsense and practical approach to combat all the craziness going on out there.

Q: But, Mike, you write and make videos about diet and nutrition, motivation and how-to, what do you know about finances?

A: As much as the next guy, and more than enough to help you.

TEN THINGS YOU CAN DO TO SURVIVE THE ELECTION YEAR FINANCIAL MELTDOWN

1. DON'T PANIC

Wall Street seems to feed on panic--panic buying and panic selling. While others overreact and sell off their stocks and put their cash in safer investments, you don't need to follow suit. Unless you need the money from those investments right now, standing pat is still the best option. Why? Because stocks eventually ALWAYS come back up--this is a historical fact. And if they don't, then we're all in trouble. This too shall pass.

2. SIT ON IT

Rarely, as a self-help, fitness guru, do I suggest sitting back and doing nothing. But, in this case, go right ahead! Pass the popcorn and park it on the couch. Okay, you still need your daily exercise, but with regards to your money--LEAVE IT ALONE. Sit on it. In fact, the best advice that I hear the most from those that get paid to know this sort of thing is: DO NOT stop contributing to your 401k or IRA. Why? Right now stocks are cheap. When the market goes down, prices go down. The more stock you purchase NOW, at lower prices, the more you will have LATER, when the market stabilizes and goes back up. Think about it.

3. KISS (KEEP IT SIMPLE, SHERLOCK!)

Simplify your life. Cut back, spend less. Analyze what you NEED versus what you WANT. If you dine out 3-4 times a week, cut that in half. Do you really need satellite TV and radio? The recent trend now is stay-at-home vacations--you spend less on gas and airfare, while discovering local attractions you may have been missing, or avoiding, for years.

Bottom line: Simplify your life and save money.

4. TAKE A WALK

How much do you spend a year on that health club membership? Figure out a way to stay in shape at home, and cancel that costly membership. Walking is one of the least expensive, but most effective, ways to stay in shape. Plus, it gets you outside, and is good for the mind and spirit. In times like these, that's a good thing.

If you desire a more strenuous workout, look into purchasing dumbbells, a stationary bike or other equipment; whatever fits your specific needs. The initial investment may smart a little at first, but will more than pay for itself for years and years.

5. INVEST IN YOURSELF

While exercise and keeping fit are vital aspects of personal growth, don't stop there. Continue working on self-improvement and personal development all the time. livelife365.com offers hundreds of self-help videos that can change your life for the better, all free of charge and just a mouse-click away.

6. LISTEN TO YOUR BOSS

There is no place continued growth is more important right now than in the job market. Now is not the time to take your job for granted. Nor is it the time to mess up the job you have. Yes, keep that resume handy and continue networking and sharpening your skills so that you are more marketable. But you also need to keep your boss happy with your work. Work harder. Do the best job you can to make yourself indispensable. Most companies will have cutbacks and layoffs--YOU cannot control this. But you CAN control your effort, productivity, and attitude.

ALWAYS be in the TOP ranked twenty percent of good performers, not the bottom twenty.

Why? GOOD companies seldom layoff GOOD employees.

Be good, listen to your boss!

7. STOP AND SMELL THE FLOWERS

Enjoy yourself. Enjoy each day. Live life 365. This simply means to live your life every day in every way. Yes, times are tough, the economy is a mess, the world is a bigger mess, but you can still find a way to enjoy the little things in life that have nothing to do with the bigger things that are out of your control.

Every Day Every Way

8. GET YOUR HANDS DIRTY

Now is the time to roll up those sleeves and get to work. But you're already working on self and your job; what next? Go outside, dig up the garden. If you don't have a garden, start one. Landscape. Mow the lawn. Do house repairs, spring or fall cleaning. Learn a new (inexpensive) hobby. Do it yourself. Besides saving you a ton of money, DIY is good for the mind, body, and spirit. A sense of self-accomplishment goes a long way. And if you're picking ripe tomatoes off the vine, you're not worrying about Wall Street. Besides, growing your own will save you more money in the long run (and they taste so much better, too!). Can, bottle, preserve, or freeze whatever you can't consume now, and have a winter of homegrown, inexpensive veggies.

9. BALANCE YOURSELF

And your portfolio. The only movement you should be doing with your portfolio is rebalancing it. This simply means you need to take a look at your asset allocations. When there are sharp fluctuations in the stock market, your assets will also shift. But do me a favor, check with your financial consultant before you do anything.

As for you and YOUR balance: you should always be working on managing your Triad of Balance, the harmonic balance between Mind, Body, and Spirit.

10. VOTE FOR CHANGE


Now, more than ever, we need some major changes in Washington. If YOU do not like what is happening in YOUR life due to decisions made by our political leaders, YOU have the power to CHANGE it.

The current financial meltdown we are witnessing needs to be fixed. Fixed fast! We have the choice to keep on making the same mistakes that have led us here.

Or opt for CHANGE.

For the better.

I hope these tips help make dealing with these turbulent times a bit easier. And always remember that YOU have more power than you think to CHANGE your LIFE.

peace,

Mike

How To Survive an Election Year Financial Meltdown

I know what some of you are saying, "Why should I listen to what you have to say about the economy? You're a self-help guy, who specializes in healthy lifestyle and personal development, as well as makes funny (goofy) videos and goofy (funny) parody songs."


Why? Because in dire times like these (seen the Business headlines recently?), during the most important presidential election of our lifetime, it takes a commonsense and practical approach to combat all the craziness going on out there.

Q: But, Mike, you write and make videos about diet and nutrition, motivation and how-to, what do you know about finances?

A: As much as the next guy, and more than enough to help you.

TEN THINGS YOU CAN DO TO SURVIVE THE ELECTION YEAR FINANCIAL MELTDOWN

1. DON'T PANIC

Wall Street seems to feed on panic--panic buying and panic selling. While others overreact and sell off their stocks and put their cash in safer investments, you don't need to follow suit. Unless you need the money from those investments right now, standing pat is still the best option. Why? Because stocks eventually ALWAYS come back up--this is a historical fact. And if they don't, then we're all in trouble. This too shall pass.

2. SIT ON IT

Rarely, as a self-help, fitness guru, do I suggest sitting back and doing nothing. But, in this case, go right ahead! Pass the popcorn and park it on the couch. Okay, you still need your daily exercise, but with regards to your money--LEAVE IT ALONE. Sit on it. In fact, the best advice that I hear the most from those that get paid to know this sort of thing is: DO NOT stop contributing to your 401k or IRA. Why? Right now stocks are cheap. When the market goes down, prices go down. The more stock you purchase NOW, at lower prices, the more you will have LATER, when the market stabilizes and goes back up. Think about it.

3. KISS (KEEP IT SIMPLE, SHERLOCK!)

Simplify your life. Cut back, spend less. Analyze what you NEED versus what you WANT. If you dine out 3-4 times a week, cut that in half. Do you really need satellite TV and radio? The recent trend now is stay-at-home vacations--you spend less on gas and airfare, while discovering local attractions you may have been missing, or avoiding, for years.

Bottom line: Simplify your life and save money.

4. TAKE A WALK

How much do you spend a year on that health club membership? Figure out a way to stay in shape at home, and cancel that costly membership. Walking is one of the least expensive, but most effective, ways to stay in shape. Plus, it gets you outside, and is good for the mind and spirit. In times like these, that's a good thing.

If you desire a more strenuous workout, look into purchasing dumbbells, a stationary bike or other equipment; whatever fits your specific needs. The initial investment may smart a little at first, but will more than pay for itself for years and years.

5. INVEST IN YOURSELF

While exercise and keeping fit are vital aspects of personal growth, don't stop there. Continue working on self-improvement and personal development all the time. livelife365.com offers hundreds of self-help videos that can change your life for the better, all free of charge and just a mouse-click away.

6. LISTEN TO YOUR BOSS

There is no place continued growth is more important right now than in the job market. Now is not the time to take your job for granted. Nor is it the time to mess up the job you have. Yes, keep that resume handy and continue networking and sharpening your skills so that you are more marketable. But you also need to keep your boss happy with your work. Work harder. Do the best job you can to make yourself indispensable. Most companies will have cutbacks and layoffs--YOU cannot control this. But you CAN control your effort, productivity, and attitude.

ALWAYS be in the TOP ranked twenty percent of good performers, not the bottom twenty.

Why? GOOD companies seldom layoff GOOD employees.

Be good, listen to your boss!

7. STOP AND SMELL THE FLOWERS

Enjoy yourself. Enjoy each day. Live life 365. This simply means to live your life every day in every way. Yes, times are tough, the economy is a mess, the world is a bigger mess, but you can still find a way to enjoy the little things in life that have nothing to do with the bigger things that are out of your control.

Every Day Every Way

8. GET YOUR HANDS DIRTY

Now is the time to roll up those sleeves and get to work. But you're already working on self and your job; what next? Go outside, dig up the garden. If you don't have a garden, start one. Landscape. Mow the lawn. Do house repairs, spring or fall cleaning. Learn a new (inexpensive) hobby. Do it yourself. Besides saving you a ton of money, DIY is good for the mind, body, and spirit. A sense of self-accomplishment goes a long way. And if you're picking ripe tomatoes off the vine, you're not worrying about Wall Street. Besides, growing your own will save you more money in the long run (and they taste so much better, too!). Can, bottle, preserve, or freeze whatever you can't consume now, and have a winter of homegrown, inexpensive veggies.

9. BALANCE YOURSELF

And your portfolio. The only movement you should be doing with your portfolio is rebalancing it. This simply means you need to take a look at your asset allocations. When there are sharp fluctuations in the stock market, your assets will also shift. But do me a favor, check with your financial consultant before you do anything.

As for you and YOUR balance: you should always be working on managing your Triad of Balance, the harmonic balance between Mind, Body, and Spirit.

10. VOTE FOR CHANGE


Now, more than ever, we need some major changes in Washington. If YOU do not like what is happening in YOUR life due to decisions made by our political leaders, YOU have the power to CHANGE it.

The current financial meltdown we are witnessing needs to be fixed. Fixed fast! We have the choice to keep on making the same mistakes that have led us here.

Or opt for CHANGE.

For the better.

I hope these tips help make dealing with these turbulent times a bit easier. And always remember that YOU have more power than you think to CHANGE your LIFE.

peace,

Mike

A Life Without Goals Is A Life Unfulfilled

I didn’t want to write this post. Not because I don’t have a passion for the subject matter—I live for goals! I just didn’t feel like sitting here, pen in hand (yes, I write the old fashioned way, with pen and paper; I then transfer those scratched out words to a word document, and then I post it to my blog—it works for me) vexing my brain into coming up with today’s post. But here I am, writing about the necessity of goals in our lives, despite desiring to be elsewhere. Why? Because I have to—it’s one of my goals.

Recently, I decided that I would write three blog posts a week—on Monday, Wednesday, and Friday. I visit dozens of blogs each day, taking note of content, style, and frequency of posts, and based on that figured that three was just about right. That number also fit in with my wanting to write about the three main themes of livelife365.com--Health, Personal Development, and Entertainment—each week. After making this decision, I then made it a goal. Being serious about my goals, and today being Friday, I felt compelled, bound by self-promise, to keep my word to myself. Ah, goals!

I am a firm believer that to be successful in life one needs to have a plan. Now, I also understand the need for spontaneity and that I am unable to “control” a lot of situations, realize that life often tosses us curveballs of fate, both ominous and serendipitous, that my plans or goals make little dent in. For that I like to say, “Worry about the things you can control and not about what you cannot.” What I am getting at is the gist of this post, and that is: Take charge of your life by setting goals!

SHORT-RANGE GOALS

Let’s say you’re trying to lose weight—I strongly suggest setting a weekly goal to strive for. For me, when I lost 40 pounds in six months, I set a goal of losing two pounds a week as something to shoot for. My short-range goals also included weighing myself daily, keeping a diet journal of everything I put in my mouth, and counting calories consumed and burned. A lot of effort, but well worth it—it worked!

Set clearly defined goals, but make sure they are not too easy or too difficult to attain. If they are too easy, then raise the bar; find yourself something worthwhile to shoot for. But don’t raise that bar too high—if a goal appears unattainable, then you begin to lose faith, get frustrated, regress, and sometimes give up. It is a challenging balancing act, but if you put some thought and effort into it, you’d be surprised at how effective your results will be.

Speaking of effort—setting, maintaining, and reaching goals is all about effort. Hard work. You will get out of it only what you put into it. If you are serious about changing your life for the better—physically, intellectually, financially, spiritually, relationship-wise—and bringing more purpose and fulfillment into your days, it takes some work. Work well worth the effort. But you need a plan. You need goals.

MID-RANGE GOALS

Have you ever sat in a job interview, or maybe just a performance review with your boss, and heard this query: “Where do you see yourself in five years?” Big groan, right?

Most of us are just trying to survive today, or at least this week, month, maybe year. Think about five years for a moment—it seems like a long time, but, for me, at least, these last five years have flown by! If you are not where you want to be now, chances are you did not give enough attention to your goals five years ago—make sense? Put another way: If you see yourself five years from now in a better career, nicer home, married with children (or divorced, free, and consuming fruity beverages on a beach in the Caribbean), you will need to start planning NOW. Start setting goals.

• Make a list of your dreams and goals
• Make a plan of how to attain the above
• Set a doable timetable
• Put forth the effort
• Remember that there will be snags, forks in the road, challenges and adversity along the way, so…
• Don’t be afraid to reassess, tweak, and refresh your goals. As you evolve, so do your goals.
• Stay the course, never give up, dream, and live!

LONG-RANGE GOALS

When I think long-range, I think ten years or more, maybe longer. What I’m really trying to say is—when can I retire? And: how much money will I need? Also where?

A few years ago, I made a major commitment and decisions that would greatly determine when and how well my wife and I would retire and live. How did I go about doing this? I set goals. Sensing I was nearing the end of my prime earning years, I made a concerted effort to work more hours, earn more money, so we could save more. I set short- and mid-range goals for contributions in our 401k plans, upping the percentages each year until we eventually hit our maxes. I reworked our budget to help meet these goals (a good practice to do at least once a year), cutting spending here, sacrificing there (here’s a helpful video to get you started in the right direction), without compromising our other goal of enjoying our lives today.

These are just some of my goals. Your goals will be different, and they will need different strategies and planning. No matter what your dream life is, what goals you need to work on to achieve it, the more effort you put forth the better your results will be. Focus, plan, work hard, and you’re on your way.

Set goals and stick with them and your dream life, before you know it, will become reality.

Remember: A life without goals is a life unfulfilled.

Wow, for a guy who didn’t feel like writing, I sure wrote a lot. Why? Because it was a goal.

peace,

Mike