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Living in the Present – Why You Need to Get Out of the Past and Future 01/02/2012
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Why is it so hard to live in the Present?  I ponder the past often, embarrassed by financial mistakes I’ve made, but I spend the majority of my time worrying about the future.

I have huge expectations for myself and I fear that I won’t find a way to accomplish the goals that I know I am equipped to achieve.  I’m afraid of letting myself down.  So I ask, why not just set low expectations and set no goals?  A college professor repeatedly joked, “Set low expectations and you’ll rarely be disappointed.” 

Of course that isn’t the way of excelling and growing in life, but it does raise the point of how the future should affect you today. Don’t live in the future; however, it’s important to CREATE your future every day by doing things that will make it better.  For me, I think I spend TOO much time trying to create a great future that I miss the marvelous gifts I have RIGHT NOW. 

Also, when one lives in the Present it’s hard to feel regret about past mistakes.  Enjoy TODAY!  Even in bad situations, pull together the good you have and don’t wander off into the future or past.  Be aware of what’s around you.  Notice the little things that often times gets neglected or overlooked.  Learn from the past; create you future, but BE IN THE PRESENT.  It’ll make you happier.

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Effective Marketing -Know Who You Are Targeting 12/30/2011
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If we were all the same, marketing would be bland and obvious.  Fortunately God made us different; therefore marketers need to take into consideration these differences.  Have you ever been approached by a marketing method that just doesn’t appeal to you at all?  Well that same method probably appeals to someone else.  It’s essential to know your prospective buyers/ clients in order to optimize your marketing strategy.

 Find out what your clients and audience REALLY want.   What your clients want is determined by who they are.  Michael Gerber, author of The E Myth, broke down clients into six groups.  Of course some will fall into a couple categories but for the most part this can help for future marketing campaigns as well as finding out which type you are and how others have successfully marketed to you



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To College or Not to College - Is it Really Worth it? 12/23/2011
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For me growing up, college was recommended but not strongly encouraged.  I had no intentions on getting a degree and felt pretty confident that it would not hinder my ability to make money.  That is the reason we go to college right, to stack the odds in our favor of making more money?

One of the first business books I read was Robert Kiyosaki’s book “Rich Dad Poor Dad.”  Who needed college after reading that book?  It strongly recommends NOT wasting time and money on a college education… but rather acquire assets such as real estate.  So that’s what I did.  In the book, Robert also suggests gaining basic understanding of business topics such as accounting and finance, so I decided to take an accounting class at my local college. 

Things were going great and money was easy to make in real estate and construction.  I was living well and thought it would last forever.  I even had plans on retiring at age 30.  I enjoyed my accounting class and kept taking various classes that seemed interesting and intriguing.  Little did I know I would eventually attend full time and work towards a degree.



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The Theory of Health Insurance- Why Premiums Will Increase While Quality Decreases 12/12/2011
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Introduction
Guest Post: Tim Lewis

There is a very heated national debate currently taking place over healthcare and health insurance.  As I listen to the debate, I am very disappointed at the lack of understanding most people have about health insurance.  The purpose of this paper is to express my understanding of the theory upon which health insurance is based. Until people understand that theory, they cannot understand why so many of the arguments are either irrelevant or outright false.

I will begin by briefly describing the mismatched expectations between insurance customers and insurance companies and provide what I believe should be the correct expectation on the part of insurance customers.  I will then define what I believe to be the theory of health insurance.  Finally I will explain why the cost of health insurance is connected entirely on the cost of healthcare and not on the relative size of an insurance company’s customer base.


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Khan Academy -Most Popular YouTube Educational Videos 12/07/2011
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I stumbled upon one of Khan’s YouTube videos a while back and was blown away by how simple he can explain difficult topics.  For those of you who don’t know who Salman Khan is, he is the genius behind Khan Academy.  Sal has various degrees in Math, Science, and Computer Science, and began teaching basic math to a cousin of his via YouTube.  His ability to simplify subject matter and explain concepts in plain English has made his videos very popular among students worldwide.

His website KhanAcademy.com has over 2700 micro lectures in video format and has established a not-for-profit organization to provide “high quality education to anyone, anywhere”.

Khan has received various awards and endorsements, including the Microsoft Tech Award for education in 2009.  I believe Sal will revolutionize the education system.  It is safe to say that education will continue to migrate online and Khan Academy is at the forefront when it comes to free self-serving information.  Watching a series of his videos will teach one far more than a semester of college classes in my opinion.


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The Story of Honda -Refusing to Fail 12/05/2011
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One story that has really inspired me is the story of Siochiro Honda, founder of the Honda Motor Company.  With many opportunities to give up, each new obstacle gave him more reason to keep going.  Like all the great companies in the world, each was started by one person with one idea.  That’s all it takes.

Siochiro Honda was born in 1906 in the small town of Hamamatsu, Japan.  At age 15, and with only a middle school education, he traveled 100 miles with his Dad to Tokyo to work as a car mechanic.  Six years later he returned back to his home town to start his own auto repair business.  At age 23, his shop was getting busier and he was able to hire an employee.  As the world was suffering from the Great Depression, Honda was able to thrive and eventually had 15 employees working for him.  He continued buying and fixing damaged cars.  His love of engineering lead him to invent cast iron spokes that replaced the wood ones.  He started exporting them to other countries and business looked good.


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