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"Find a Reason to Believe" - By Patricia Phelan Clapp

by drmichaelharri 8. March 2010 08:09
The boss sings about it. Self help gurus write about it. Setting goals is the ideal way to live your best life and most of my clients get that. However, how do you get to the point where you get that gusto to want to be a goal setting machine?

The bottom line is, exactly how do you find reasons to believe when most of what is going on in your life causes nothing short of disbelief?

I have to confess, over the last few months or so, I have become very superstitious. Not the bad kind of superstitious, like worrying about black cats in my path or steering clear of ladders; I have become a believer in luck. This may counter act much of my "you are what you think" mentality and how we control our own destinies stuff, but I have had some fun with this stage in my life. There is a level to my persona that likes to test the barometers of thinking outside the box and to see what happens. This is when my fixation with dimes began.

A good friend of mine explained to me the significance of a "dime sighting" as we call it. She explained that each time you find a dime means good luck and a great financial future. She went on to say that it signified a loved one that had passed on was looking out for you.

In the beginning, I have to admit, I thought she might be a little silly ending an email or two confirming her good luck by the dime she found that day. "Geez", I thought, "I have heard of pennies being good luck, but dimes?" I hate to say it, at first, I was a dime skeptic.

She continued to find dimes and to be honest with you, she is a dynamic person who really does seem like good luck sits on her shoulder each day -- professionally and personally. So, I thought, why not? I was in on this dime thing. Behind closed doors, I was officially proclaiming myself to be the Sherlock Holmes of ten cent sightings.

Ironically, dimes started appearing out of nowhere! On my nightstand when I would go to bed, in the middle of my bedroom floor after the painter had just left (and I swore up and down that it was not there when I had vacuumed) and so on. Dimes were appearing everywhere! I was on a lucky streak and loved it!

Each and every time I found a dime I felt that all was going right in my coin-seeking world.

My business had never done better, my phone was ringing off the hook and it seemed that each day, my life was smooth sailing. I was working out again, sleeping well, new clients were emailing me daily and kids were helping out around the house (And I thought the heavens would part for that to happen!).

This is the life, I thought. Where the heck have all these dimes been hiding? However, I didn't want to seem ungrateful for their present day appearances and did not want to look a gift horse or rather coin fairy in the mouth.

Until one day, the reality of it all came crashing down rattling me to my coin-hunting core.

A few days ago, I was out on my deck telling my dime story to my kids and a few of their friends. As usual, I had a handful of nay-sayers but mostly, the younger ones were intrigued and wanted in on this good luck venture. Then, I noticed out of the corner of my eye the look my son, Jake, gave his girlfriend. Feeling my stomach churn I was thinking, "He is just embarrassed that I believe in all this stuff" and shook it off. But that wasn't it as I looked into the big brown eyes of his sweetheart of a girlfriend who simply had to spill it, "Jake did it, Mrs. C."

"Did what?" I panicked.

"I have been planting dimes around the house for months!" As he expressed in his every so smooth 15 year old demeanor -- Not!

"What?!" I said, heart pounding, beads of sweat coming off my forehead trying to rationalize how a kid that doesn't even pay attention to which end of the bed he is going to sleep on actually cared about his mom's preoccupation with silver coins.

My daughter, her friends, Jake's girlfriend, all paused for a moment to see how I would react. Was I going to hit him over the head with the deck umbrella or shun him from family dinners for a month? What was I going to do?

Then it hit me. Yeah, it was great fun finding those dimes and thinking about my dime guardian angel who put them there. (I was sheepishly thinking of my aunt each time I found one.)

That's when my AHA moment hit me! Dimes or no dimes, my luck was still the same! I could still say I had a dynamic month at work, my finances were steadily on the rise, and personally, my guy, as well as my kids, was doing terrific! I still was able to own that good luck -- dimes or not.

Most of us have good luck charms, believe in silly superstitions and little rituals that we hope to bring us good fortune and hope for tomorrow. And it's what all of these things symbolize that really matters.

We are finding reasons to believe.

In a world that can throw us a curve ball or two at times we may not feel like taking a swing, look for reasons to believe in your life. Little moments that create hope for a better tomorrow. It could be the power suit that gives you the confidence when doing a presentation at work, or the belief that a dime means new clients are on the way -- at the end of the day, it just reinforces your reason to move forward and live your best life.

So, go ahead, and go out and search for your dimes today. Whether you find 2 or 20, I guarantee that you will feel a little lighter, hopeful and conscious of the good in your world prior to your coin lookout days. And, if all else fails, you will inevitably be a few cents/sense richer.

"Still at the end of every hard earned day people find some reason to believe." -
Bruce Springsteen
   About the Author:Patti is a forty something single mom of two awesome kids. In the past six years, she has: separated and divorced, finished a graduate degree with honors, started a part-time career as a writing instructor at a local college, opened up a business as a transition coach, and as of November 2008, become newly engaged! In addition, as of June 13th, she will have finished her basic training to become part of the Jersey Shore Collaborative Law Group.   While she was studying and researching the various aspects of divorce and how to do it right, so to speak, she would reward herself with reading books on how to achieve your dreams! As a result, Patricia Phelan Clapp M.A. LLC, the Transition Coach, was created! Contact Patti - patti@positivelifetransitions.com  If you liked this article send Patti an email and let know Peace Love Trance  Dr. Michael Harris

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Credit Card Debt Settlement - How Do I Choose a Good Debt Settlement Company & Avoid a Nightmare? - By Jesse Niesen

by drmichaelharri 8. March 2010 07:53
Debt settlement is the fastest way to get out of credit card debt for the least amount of money and avoid bankruptcy.

If you are one of the millions of Americans struggling through financial hardships today, debt settlement may be your very best option to be debt free ASAP.

BUT... (WARNING: This is a BIG "BUT"...)

Debt Settlement "Nightmares" & Scams Abound...

THOUSANDS of new companies have popped up in recent years, flooding the TV, radio and internet with promises to "cut your debt in half." Most of these ads are simply generating "leads" to sell to one or multiple "bad operators" (who will gladly take your money in the form of upfront fees without ever delivering on their promises).

It's gotten ugly as untold numbers of people have seen their financial hopes turn into financial nightmares. In fact, the debt settlement industry has become so bad, the FTC is stepping in to regulate.

Sadly, for the past few years, over HALF of my personal clients have come to me for financial help AFTER failing a debt settlement or credit counseling program (a very different option) because they simply made a poor choice based on biased or incomplete information given to them from the counselor / consultant / salesperson they "talked to" before enrolling. These shady salespeople are never around after the sale is made to take care of the poor people they've sold a bill of goods to, leaving them in worse shape than when they asked for help.

Are There Any Good Debt Settlement Companies?

Still, debt settlement IS a legal, ethical and moral option for consumers to get out of debt ASAP, and get your financial future back on track from a hardship situation. Typically, you are able to settle for 50% or less of your outstanding balance. So it's true, you actually can "cut your debt in half" - Plus, monthly payments are often cut in half during the process, allowing consumers to quickly get out of debt and breathe again.

I work with consumers across the country every day to solve their debt problems, and refer my clients to debt settlement programs, as well as credit counseling agencies and bankruptcy attorneys nationwide (IF a good, old-fashioned "accelerated pay off" plan is not an option). I wish everyone could get out of debt through a "Total Money Makeover" as Dave Ramsey suggests (who I admire and strongly recommend), but the fact remains that many Americans are in too much of a financial hardship to even keep up with minimum payments, and paying significantly more than the minimums is simply not possible. If you find yourself in a similar situation with large amounts of credit card debt, please understand you are not alone.

If I can offer anything here, let it be these three simple "rules of thumb" to help you avoid being another casualty of the many bad debt settlement companies, because getting out of debt ASAP and getting your money earning interest for you instead of paying interest is ultimately most important for your financial future.

3 Quick-Tests to Choose a GOOD Debt Settlement Company and AVOID a Financial Nightmare:

Here are three simple things any consumer with an internet connection can do in two-minutes, or less, to avoid the majority of "bad companies" and find a good company "needle" in the debt settlement haystack:

#1) Time in Business OVER Five Years?

According to the SBA, 90% of new business FAIL within their first five years. So why would you trust your financial future with a start up? Also, most debt settlement programs are 2-3 YEARS long, and you want to make sure you are with a good company who has a proven track record serving clients all the way through the programs they offer. Stack the deck in your favor and go with a company who has stood the test of time. This will cut out at least one thousand new debt settlement companies; the vast majority you will see on TV, radio and the web.

HERE'S HOW TO DO THIS:

Go to BBB.org and search any company you consider, and check their BBB Report for their "Original Business Start Date". If it's less than five years, especially if it's only a year or two, then STOP considering the company and seek help elsewhere from a company with a proven track record.

#2) Excessive BBB Complaints?

Check this same BBB Report for complaints. A short time in business with a high number of complaints (especially unresolved complaints) is a sure sign of a financial nightmare ahead if you enroll with such a company. A good company should only have a handful of complaints. Hundreds or thousands of complaints is inexcusable and a major red flag that the company consistently fails to meet the expectations they set with their clients.

Here's an example of two companies who pass test #1, but only one passes test #2:

FreedomDebt.com has been in business since Dec, 2002 with only one single, resolved complaint in its entire history:

http://www.bbb.org/central-texas/business-reviews/debt-settlement-compan...

"D" rating due to concerns with the industry (because of companies like the one below), not due to any concerns with the company itself. Keep in mind FreedomDebt.com is HUGE, with regular national exposure on TV Talk Shows and News programs.

Credit Solutions has been in business almost as long, well over five years, but there is a striking difference: their BBB report lists over 1,600 complaints (including unresolved complaints and government actions against the company):

http://www.bbb.org/dallas/business-reviews/debt-settlement-companies/cre...

#3) Attorney-Based Debt Settlement Program?

The future does NOT look good for NON-attorney based debt settlement programs because, due to the bad operators who have harmed many consumers in recent years, the FTC is stepping in to regulate, as they should. Debt settlement companies who are not operating under a licensed attorney are subject to these looming FTC regulations, a major threat to the survival of these companies. I would NOT recommend my mother, so I wouldn't recommend you either. Instead, choose a debt settlement law firm operating under a licensed attorney because they will not be harmed by these inevitable FTC regulations.

Note About Debt Settlement Fees

Much can be said about fees for debt settlement services, and that is another entire conversation. Just make sure your payments are NOT going entirely to fees during the first X number of months, and stay away from anyone asking for some kind of a large upfront fee. If a company passes the three tests above, then they obviously are giving their clients enough value in service and results to justify whatever fees they are charging, however they may structure the payments. If it were not so, then you would see excessive BBB complaints over time.

Final Thoughts About Debt Settlement...

By following these three simple rules, you are sure to quickly find a debt settlement company who has passed the test of time, serving its clients and delivering on its promises without excessive complaints, legally. After helping people get out of debt through debt settlement and all other debt relief options for over eight years, this is my best advice to "cut to the chase" with this debt settlement jazz so you too can "cut your debt in half."

However, BEFORE seeking out a company to settle your credit card debt, get educated about how credit works and all options for debt relief to determine if debt settlement is really your best choice to get out of debt in the first place.
About the Author:If you want to find a GOOD debt settlement company (I know which are the best) and learn debt relief "secrets" most people will never know about how to get out of credit card debt FAST, then you'll discover how to avoid the most common mistakes many people are making (and what's best for you / not "them") INSIDE the Debt Relief Guide Online. Visit http://www.DebtGoToGuy.com for FREE Instant Access. Plus you can get all of your questions answered (in detail) by a long-time trusted expert.

Jesse Niesen
Author, "Debt Free ASAP!"
DebtGoToGuy.com
888-928-DEBT
Peace Love Trance  Dr. Michael Harris

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The 4 Critical Mistakes Investors Make - By P. Christopher Music

by drmichaelharri 27. February 2010 04:56
Do you know the irrefutable laws in investing?

This is not an article on different investment strategies, but rather more fundamental laws related to the subject of investing. Investors can be counted upon to make the same mistakes again and again.

Knowing what these are and how to avoid them can help you keep the long-term value of your nest egg intact rather than following the herd into financial self-destruction.

Mistake # 1 -- Not adhering to a written investment policy.


Successful investors follow a well-designed, consistent investment policy.

This is a statement of how one will invest, regardless of short-term changes in the markets. It is written and signed after a thorough analysis is done with your financial advisor to determine your investment goals, tolerance for risk, and level of sophistication. Then it is implemented and maintained over the course of your life.

When an investor continually looks to change an investment strategy, he will inevitably make the wrong decision at the wrong time because there is no overriding policy in place to direct the actions of the investor in times of duress. Markets are volatile, but one's approach to investing in them shouldn't be. Untold wealth is lost through knee-jerk reactions like selling at market lows.

For example, when a cataclysmic market event occurs, many investors and investment professionals will seek some solution to the confusion created by the event. These solutions will be "alternative investments", or changes in attitude toward well-proven long term strategies like "buy-and-hold is dead".

Having a rational, appropriate investment policy can help an investor avoid mistakes during market turmoil.

Mistake #2 -- Chasing investment performance.


A sure sign of a novice investor is one who makes his investment decisions based primarily on past performance.

This is folly, since the future is not the same as the past, no matter how much we want to use it to attempt to predict the future. Even the Securities and Exchange Commission requires that every prospectus (a document that explains the nature of the proposed investment) must state "past performance is not an indicator of future results". Then why do people insist that it's true anyway?

Many mutual funds use past performance almost exclusively to get you to invest in their fund. Just check out the financial pages of any newspaper or magazine and the ad touts "x% 3-year performance" as if that means anything to you. The only way it would impact your life is if you were actually invested in that fund during the last 3 years. Otherwise it's irrelevant. As a matter of fact, most funds that have that great short term performance will usually underperform the next few years, right after you put your money in.

Past performance is only one factor among many in determining the correct investment strategy.

Mistake #3 -- Not determining the ultimate purpose of an investment before it is made.


Money is only invested so it can grow in value (or more importantly, RETAIN its value) so that something can be purchased at a future date. Every investment must have a clear and decisive purpose for which that money is accumulated. The purpose can be anything you want -- retirement income, a new car, college education for the kids, a dream vacation, whatever.

There are thousands of different investments and every one of them has an appropriate use, depending on the reason the money was set aside in the first place.

Example: If you wanted to save for a new car, then speculative stocks that will go up and down a lot in value will not be a smart choice. The odds are too great that you will have to cash it in at the wrong time. Moreover, if you wanted to invest for retirement income in 20 years, then keeping money in a savings account at the bank will not earn you enough interest to outpace inflation.

The reason why it is so important to know the ultimate purpose of an investment account is so that it will be invested to achieve the best risk-adjusted results.

The only time a person gets into trouble is when the purpose of the account changes.
Example: A person puts money in an IRA into stock and bond funds. After a couple years, the person overspent and now wants to cash in the IRA to pay bills. The account balance is down (which will happen in any speculative investment) and the person takes a loss.

The moral here is to determine the ultimate reason for making an investment and don't change your mind midstream. Otherwise you open yourself up to taking unnecessary losses.

Mistake #4 -- Not taking risk into consideration.


Probably the biggest problem that an investor faces is that he/she does not understand risk.

Risk comes in many forms and the most successful investment strategies will mitigate most of the risks.

The greater return one wishes to generate from an investment, the more risk one must assume. This is a law of investing. Irrefutable. However, the idea that "the greater the risk, the greater the return" is actually not true. There are countless examples where people assume a high degree of risk and receive low returns. Why? Because the subject of risk is not understood.

What constitutes risk?

In general, risk is the "possibility of loss" or the "chance of loss". It's the problem of putting money to use for some future purpose and the possibility of incurring some degree of loss in that investment.

Many investors think that the only risks are market-related such as the fact that the market can go down, or that the stock can go down in value.

But there are many more risks that people don't often think about. These risks include:
• Inflation
• Taxes (on investment gains)
• Creditor exposure (incorrect titling of investment accounts)
• Herd mentality (doing what everyone else is doing--which is almost always bad)
• Lack of knowledge
• And many others

The truth of the matter is that you must truly understand the risks you're taking with every investment you own. There are many other risks to consider than just the volatility of a particular stock, bond or real estate investment. Some of these risks can wipe out your entire investment plan if not managed intelligently.

In my experience, these are the 4 critical mistakes most investors make. If you avoid these mistakes, then you will be ultimately successful. If you violate these rules, then sooner or later they will kill you.

Happy Investing!
About the Author:After 15-plus years of being a financial planner, Christopher Music decided there had to be a better way. Witnessing financial debacles of big industry and government-driven economies caused Christopher to take action, developing an instrument that measures the success of any financial plan. The Financial Security AnalysisTM (FSA) is the back bone of Music's firm, Wealth Advisory Associates (WAA). WAA is a financial planning firm focused on helping private-practice physical therapists understand and implement the most effective strategies to achieving financial success and security.
Peace Love Trance
 

Dr. Michael Harris

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Don't Take a Deep Breath: Un-Inhale Your Aspiration to Control Instead - By Pavel Somov

by drmichaelharri 26. February 2010 09:20
Try the following: sit back and just breathe for a few moments. But before you actually "do" this, let us get clear on one point: there is no "doing" involved in this exercise, just witnessing of your breath exactly as it is at any given moment - for a few moments.

You might be thinking: nah... I don't need to try another breathing exercise. Well, it's not. It's not a breathing exercise. It's an exercise in not breathing, an exercise in allowing yourself to be breathed...

So, don't just keep on reading. Go ahead and take a moment to "do" this to see how hard it is to "do nothing" and to allow yourself to be "done."

Welcome back.

You see, mind is like a child testing one's limits: it grabs, it touches... It wants to interact with whatever it pays attention to, testing one's power to modify and manipulate one's environment. As such, this grasping engagement with the world - either inner or external - is natural. This never-ending interface with reality is but a life-long, full-time process of learning about what we can control and what we cannot control.

One lesson, however, that many of us tend to overlook is that just because we can control something it doesn't mean that we necessarily should.

Just witnessing your breath, without "breathing it," without trying to manipulate it in any way, is an opportunity to practice this skill of non-interference, of letting something be exactly as it is, even if we are capable of controlling and changing it.

Let's go back to this breathing exercise. Whether you've tried it or not, let's do it again. But this time, let us zoom in even closer on this automatic reaching of the mind in the hope of learning how to keep the mind's sticky fingers at bay.

Here are a few subtleties and nuances I'd like for you to track and notice.

Notice how when you make a conscious choice to pay attention to your breathing, the breathing that felt so effortless in its previous automaticity suddenly becomes imbued with mental effort. To catch this emergence of tension, try to start paying attention to your breathing several times trying to tune in to this transition from effortlessness to effortfulness.

Now, by effortfulness I do not mean "labored breath" or any "shortness of breath." What I mean by this is the effortfulness that stems from supervision, the sudden burden of responsibility that the mind feels as it tunes in to the workings of its own body.

Work on this for a few minutes, just going from paying attention to your breath to shifting your attention away to something else entirely, and then going back to paying attention to your breathing. As you dive in and out of this "attendance" of your breath, as you re-enter this mode of supervision, keep noticing the subtle emergence of tension.

Ponder what this tension is about. Perhaps, your mind is playing out some expectations of what your breath should be like. Perhaps, it's caught up in the tension of staying focused on the breath. Notice how hard it is to just witness without some kind of interference or intervention. Marvel at this automatic reaching of the mind, at this seemingly hard-wired itchiness to do something...

Strange, isn't it?

It is as if mind is a kind of hyperactive do-it-yourselfer that, having hired a five star plumber from the Angie's List, cannot just let the contractor do what he or she is hired to do. This consummate manic do-it-yourselfer, this mind can't help itself but meddle and monkey in what's going on, trying to fix what's not even broken...

When I introduce my clients to relaxation and guide them through breath awareness, I often remind them that the body knows exactly how to breathe at any given time. And while it is certainly true that we have conscious control over the pace of our breathing (we can, for example, at will decide to hold our breath, or we can, at will, take a series of rapid breaths or purposefully slow down the pace of our breathing) it does not mean that we have to exercise this control.

Our body has been in the business of breathing since day one and will breathe on our behalf until the moment we die. And, yet, here we are, in the primitive narcissism of our reality-testing minds, presuming that somehow we know exactly when to inhale and for how long to exhale.

Preposterous, isn't it?!

Or, in the course of attending to your breath, try to tease out whether the current breath took place on its own or if you somehow participated in its emergence... Ask yourself: Did I consciously will this breath into life or did it happen on its own - not against, but despite my will?

Or, as you notice the sudden arrhythmia of your current breath, allow yourself to wonder for a moment: Am I witnessing an irregular rhythm of my body or am I, in a subtle, barely conscious attempt to maintain the current breath rhythm, inadvertantly interfering with what would have been an otherwise regular rhythm of my body?

So, as you keep practicing crossing this threshold of awareness of your breath, see if you can get to the point where the fact of your paying attention to something does not alter that which is being attended to...

If you can learn how to let your breathing be as it is, you'll set an important precedent at letting go... of this delusion that just because you can control something that means that you should.

As a result of this non-breathing precedent, you just might build on it later by consciously choosing to let something be exactly as it is... Maybe, as you sit in traffic, you will choose to just stay in your lane, without trying to pseudo-optimize the traffic flow. After all, how can you flow any faster than the river you are part of? Or, perhaps, when a server in the restaurant brings out your food and sets it out on the table in front of you, perhaps, you will not rush to automatically re-arrange the suggested placement of dishes and utensils (just because you can) until you feel you need to... Or, perhaps, you will spare yourself and your companion the social friction of unnecessarily correcting their trivial misperception of some fact unless you feel it poses an immediate and fundamental obstacle to your and their co-existence in this given moment...

Now, you might say: but what about all this business with taking a deep breath, breathing from the diaphragm, chanting "Om," TM breath suspension, and extending the exhalation phase?

That's all good but that's Tantra and Yoga. I am talking about Zen here, about letting things be as they are, whenever you can.

So, don't rush to take a deep breath. Instead: un-inhale your aspiration to control.
About the Author:Pavel Somov, Ph.D., author of 'EATING THE MOMENT: 141 Mindful Practices to Overcome Overeating One Meal at a Time" (New Harbinger, 2008) http://www.eatingthemoment.com
Copyright, 2009

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Conversations about time

by drmichaelharri 19. February 2010 07:17

Like the Rolling Stones said “Time is on my side” or is it? The way you “sort time” in your mind can affect your method of communication.

There are two major ways the people experience time and “yes”, everyone does both strategies in some context. The first major method is called “In-Time” which means that you are “in the moment” and the event you are engaged in has just flows and goes on without interruption. Other things like work, movies, getting on airplanes, family activities, commitments, appointments, agreements, etc can sometimes be just completely gone during this experience of time.

People who use this type of time sorting can frequently, unintentionally, be late for appointments; many never were a watch and seem to be completely aware there is this concept called time. If you have “In-time” friends that are frequently late you might consider telling them an event starts at different time when the event actually begins so that when they are late, they are actually on-time or only slightly late.

 

The second major method of sorting time is called “Through-Time”. People who sort time this way has the experience of each thing they do having a beginning, a middle and an end. These people (I’m one of them) are frequently “Time Nazis”. They are almost always early or exactly on time for appointments. They were watches, have clocks all over their houses and time plays a HUGE role in their world.

 

Both groups have rather unique methods of communication that can give clues to that person’s inner world of communication and their experience of time. With these two vastly differing communication styles, who can guess why people with different “time-sorting” styles can get on each other’s nerves.

 

When I coach couples, one of the first things I check for is; how does each person communicate about time and in which style? “In-Time” people can be lousy in-the-moment arguments particularly when arguing with a “Through-Time person who has access to who, what, when, where and how; what happened. By the time the “In-Time” person has accessed the event that happened in the past, the “Through-Time” person has either asked them another question or the same question, again, and that knocks them out of that event state; so the argument just goes around and around with no resolution.

A person who sorts “In-Time” while telling a story or memory will frequently have to put themselves back into the space they were in, previously, so they can remember the details. While telling stories about an experience, for a “In-Time” speaker, the details may be completely lost unless the re-associate back into the experience. “In-Time” people also usually give lots of details and their stories meander while they talk about ALL of the details of the events, their perceptions and other people’s perceptions while the event was occurring.

 

A “In-Time” person will want ALL of the details of a story, event or activity. Do not spare one single detail and the really fun part is they don’t care what order that the details come in.

 

A “Through-Time” person has access to the detail of events without having to re-associate and depending on their communication style and interest in the topic can give lots of detail or can give an overview of an event. While speaking to a “Through-Time” person, the listener will usually a person will have to ask questions to elicit more detail if the speaker doesn’t volunteer them. “Through-Time” speakers are famous for overview and the one-sentence synopsis.

 

A “Through-Time” person is going to want the short version of a story, event or activity and if they want more detail they will ask for it. They really are wanting a clear concise flow and any non-pertinent detail or opinion not specifically related to the course of events disturbs the flow of the conversation. The down-side of “Through-Time” speakers and listeners is that they can be a “buzz kill” for those who are just having a conversation and there is no need for the information to flow because the survival of the free world doesn’t depend on the next sentence.

 

Neither time strategy is better or worse than the other. The solution here is for both groups of people to know about the existence of the “other”.  Learning to communicate in different styles can help you develop your speaking and listening flexibility. You can start by listening to others about how they communicate and noticing how they relate the activities and stories. Remember that the bottom-line in communication is not what the speaker is saying but what the listener is hearing. If you want to be an effective communicator be prepared to be flexible.

 

Peace Love Trance

 

Dr. Michael Harris
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Your Constant Companion - By Dr. Srikumar Rao

by drmichaelharri 18. February 2010 15:41
You have a companion. One that never, ever leaves you. It sticks with you, staying even closer than your shadow. It is like a leech sucking your blood, and you cannot shake it loose.

This constant companion is your mental chatter.

Another name for it is your internal monologue. It begins the moment you open your eyes in the morning and carries on until you close your eyes at night. More often than you'd like, this chatter prevents you from drifting off to sleep. And when you finally do doze off, it may well make that rest fitful.

Some companion.

Think about what happens when you wake up. Does your mental chatter go something like this?...

"Drat! There's that alarm again. I don't want to get up. It's going to be another horrible day."

And does it continue throughout the day?...

"No toothpaste. I told him to get a new tube before he used this one up. If he cared for me, he would have done it."...

"Now I have to go to the stupid meeting to interview the candidate for that new position in the department. Not that the boss will actually listen to me. He will listen to Todd. Todd's so smooth -- he's going to be the next vice president for sure. Not me. I can't do anything right around here."...

"Lunchtime! Let's get the hell out of here. Forget inviting Lorna, she's been ignoring my e-mails all day. She probably doesn't like me."...

When you look at your mental chatter, you will notice that it is an unending stream of noise. But you will also discover that much of it is putting you down, either directly or, more subtly, by having you compare yourself unfavorably to others. And it is exhausting you by telling you all the things you have to do that you probably will not be able to.

Over time, those negative judgments start to accumulate. Eventually, they form a huge barrier squarely in front of you on the path to your ideal life.

It is like a coral reef, a strong structure capable of ripping the bottom off the stoutest ship ever made. Yet that structure is made up of the skeletons of tiny coral polyps. Each individual polyp is insignificant -- and when it dies, its death is of little consequence. But when hundreds of thousands of them die, they bond into that awesome reef.

Your mental chatter works like that. Each individual negative thought is of no particular significance. But it leaves a tiny mark -- and those tiny marks accumulate. You have been enduring a constant stream of mental chatter for decades. And you've been building a "reef."

That reef has imprisoned you -- and you never even realized you were building it. Even if, at times, you were dimly aware of your tendency toward negativity, you probably dismissed your thoughts as unimportant or as well-deserved criticism. And you were partially correct. Each individual coral polyp is unimportant. Each individual negative thought is inconsequential. But when taken together, they form a massive, nocuous structure.

That's where you live now -- in this "reality" you've created.

The good news is that once you become aware of what you have unconsciously allowed to happen, you can fix it!

In this case, you are both doctor and patient, so first you have to know how bad the "disease" is before you can treat it. Here's how to do the diagnosis:

For the next two weeks, carry a journal or notebook with you. Record your mental chatter -- positive and negative -- throughout the day. Be as specific as possible. In particular, note the number of times you beat up on yourself and compare yourself unfavorably to others. You might find that those negative thoughts fall into categories, such as "Criticism of Others," "Running Myself Down," and "Feeling Inadequate."

As you record your mental chatter, pay close attention to how your emotional state is tied to it. You might feel sad, overwhelmed, fearful, or dissatisfied. But you might also feel confident, peaceful, or grateful.

Do those feelings change often -- or is one dominant? Are they generally positive... or negative? How does your emotional state affect your behavior?

Jot it down.

If you tend to criticize yourself or blame others for your mistakes or frustrations, jot that down too.

Don't berate yourself when you notice negative thinking. You are just recording it. And remember, you are also recording positive chatter and the emotions connected to it.

Eventually, you will get to the point where you are constantly aware of your mental chatter. And you will find that this awareness changes it -- making it less able to take your thinking down a destructive path.

This gives you much needed control. You get to decide for yourself whether you are going to build your reality on the foundation of a negative judgment... or not.

You cannot eliminate your mental chatter but you CAN shape it and channel it. You can make it your friend instead of your enemy. And when you do this, your life takes off in more ways than you can imagine.

P.S. Finding true happiness won't happen overnight. With my
Personal Mastery Success Program, you'll get all the tools you need to make a break with negativity, sadness, and disappointment.
 About the Author:Dr. Rao received his Ph.D. in Marketing from the Graduate School of Business, Columbia University. He has an M. Phil. in Marketing from the same school in addition to an M.B.A. from the Indian Institute of Management, Ahmedabad. His undergraduate training was in Physics at St. Stephen's College, Delhi University.

He conceived the pioneering course Creativity and Personal Mastery. This is the only business school course that has its own alumni association and it has been extensively covered in the media including the New York Times, the Wall Street Journal, the London Times, the Independent, Time, the Financial Times, Fortune, the Guardian, Business Week and dozens of other publications.
 Peace Love Trance  

Dr. Michael Harris
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Hey, it’s simple…

by drmichaelharri 18. February 2010 14:18

Have you ever noticed that when you’re asking someone for help in their area of expertise that frequently they begin the answer to your question with the phrase “it’s simple”? Then they rattle of a series of auditory (verbal) instructions at about the same rate that plutonium fuses in a nuclear reactor; which is really quickly. But what is that they are telling you? What happens if you miss step #13? Now you have to ask them for instructions again and they do that “big sigh” like you’re a moron because you haven’t been doing what they have for the past 20 years, which why you asked them in the first place.

 

Unbeknownst to the speaker, what they are describing is “a something”, a task, an idea or technical expertise that they have performed so often that it is no longer part of their conscious mind thought-process and has been stored in their unconscious mind ready to use at a seconds notice. Which is great for them but doesn’t help the person who is asking for the technical help or expertise, what is needed here is another way of asking.

 

One very useful piece of information might be is that everyone learns and takes instructions differently so here are few things that you can ask for when you need help from an expert:

 

1. Ask for written directions. This will cause the person to have to procedurally write out the step-by-step directions. In order to do that they will have to think about what step comes first, second, third, etc.

 

2. Have them show you how to do the task and then repeat it with them standing there so you can get immediate feedback. If that isn’t possible, perhaps can you record their instructions via audio or video so you will have an example that can be reviewed?

 

3. Be prepared to do the task or skill more than once. You may be someone who has to do things a couple of times before you know you can repeat a task without assistance.

 

4. Think about all the things that you’ve learned to do in your lifetime. Is this something similar to those other tasks or skills that you’ve learned or is this something completely new? With the tasks and skills that you’ve learned which method what the best for you; visual (see it done), auditory (listening to the steps), or kinesthetic (doing the task either with or without someone there)?

 

Whichever the method or methods that you choose remember the intention isn’t to be able to do the tasks perfectly is it’s to learn HOW to do the task or skill and expertise will come with time and practice. So the next time someone asks you for help remember what it’s like to learn something new and slow down your instructions or ask if they need written instructions; the person asking will certainly appreciate the offer even if they didn’t know to ask.

 

For more information about MetaPrograms, learning strategies and more effective communication, I will be writing series over the next few weeks so keep coming back to DrMichaelHarris.com.

 

Peace Love Trance

 

Michael Harris, PhD

How to do a Career Tune-up Every Season - By Joyce Schwarz

by drmichaelharri 10. February 2010 05:24
Most of us get our cars tuned-up every 30,000 miles or so -- or at least once a year. Yet many of us fail to tune-up our careers until they are stalled or worse! A good auto tune-up insures that your car continues to run smoothly, that it's getting good gas mileage and checks to prevent severe potential damage to the engine and other components.

So why not a Summer Life and Career Tune-Up -- it's about time! Don't wait until your career stalls or crashes! Be prepared for an unexpected emergency. And enjoy the ride more along the way to success.

People always say it's the journey, not the destination that matters! Well, I truly feel that most of us spend more time planning our summer vacations than we do our careers.

And that you probably would not get in your car to head off to trip to the Grand Canyon without a map or without consulting an online service for directions or asking a pal to diagram a route for your journey. Even if you have a new GPS system in your car, I bet you'll want a paper map also. A back-up plan is always valuable.

What can you do to Tune-Up Your Career? And who do you need to help you do so?

1) Make sure you have 3 months savings in the bank or at ready access that will cover your monthly expenditures.
Even if you have disability insurance (which many people don't) you'll need to be prepared for any emergency. Summer is a great time to supplement that account with a little extra income. Consider having a yard sale.

Clean out the books on your shelves and sell them. Or check in your closets to see if there is outdated clothing or even in your living room and home office to see what you can sell on eBay!

Even a few extra hundreds of dollars will start that account growing again. Planning on using any extra money for vacation? Consider swapping houses or bartering for your vacation plans.

2) Recharge your batteries.
Just like your car may need battery recharging -- or maybe even a new battery, you need to take some time off to play and have fun! Can't afford a vacation -- set up an outdoor beach at home. Bring in some sand from the local nursery, paint up an old swing set. Add a water-slide or an above-ground pool and a brightly colored beach umbrella. Most of this stuff goes on sale after July 4th so it's a good time to get stuff at 1/2price. Can't afford it. Check your local classifieds or register on one of the services that offers FREE STUFF online. Many people are using these services to recycle stuff they no longer want especially if they are moving or just bought new stuff. And surprisingly all they want is for you to haul their old stuff away!

3) Armchair travel to a new career.
Always wondered what it would be like to pilot your own sailboat? Or what about becoming a mountain climber. The answers are as near as your public library which allow you to take out all kinds of adventure books, CDs and even audio books on these topics. Many libraries even circulate magazines on special interests if you can't afford the $5.95 to buy a new copy of SAILING magazine. Ahoy mate...your library card is your ticket to adventure

4) Test drive a new career.
The start of each season, summer, fall, winter, spring is the perfect time to 'test-drive' a new career. More and more companies are giving employees Friday afternoons off and many teachers now take their summers off instead of teaching summer school. So if you're one of these fortunate people, you may be able to use your free time to test drive your new career. I've even had clients who have used their 2 weeks vacation to test-drive a new job. Temp jobs and freelance services like elance.com allow more flexibility for you to try out a new career or job without jeopardizing what you have.

5) Make a Career or Life Vision Board.
Take pictures from magazines or actually picturing yourself in a new environment. Show a picture of you hiking to encourage you to do it more or have someone photo you in a new convertible that you'd love to own -- even if they do it on the dealer's lot!
Alas, there is no way to plug your career into an auto-check robotic system like they do with your car at the mechanic these days.

Nope, we're not robots -- at least not yet! But follow these 4 steps to check up on your career, be tuned up, go zooming ahead.
About the Author:Joyce Schwarz is a renowned Hollywood career strategist and new product and company launch advisor. She runs JCOM, http://www.joycecom.com, an emerging media & technology firm in Marina Del Rey, CA. She is a paid public speaker and just returned from speaking in South and Latin America and is the keynote speaker at many of the Body Mind Spirit Expos including San Diego and Portland, Oregon.Peace Love Trance  

Dr. Michael Harris
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Solve Problems Like a Genius - By James LeGrand

by drmichaelharri 4. February 2010 08:38
Genius level thinking is not reserved only for highly mentally gifted. Geniuses have a system for how to work through problems, which they may or may not be conscious of. Once you learn the system, you can use it to solve problems the way geniuses do. The difference between them and you is that they've simply used their system longer than you have. Once you gain some practice with it, internalize it, and begin to use it automatically, the people in your life will see you as a genius to.

Here are the 7 steps to genius level problems solving.

1. Identification

In most cases, we tend to think that the symptoms of a problem are the problem itself. We then set off to address the symptom. After our time and effort has been spent, the symptom has been temporarily eliminated. Since we did not solve the root cause of the problem, the symptoms will return again and again.

Geniuses spend a large portion of their problem solving time in identifying the true problem. They understand that a problem can be resolved once and for all if they can identify its causes. When the root causes of a problem are found, all of the symptoms of that problem also vanish. It's the equivalent of killing 10 birds with one stone.

Plan on spending a lot of time and thought on finding the real problem; if you begin with a symptom, ask yourself what causes it to be a problem for you. When you find an answer, ask yourself again what cause it to be a problem for you. Somewhere between 5 and 10 "why's" deep, you'll find the root cause of the problem.

2. Mindset

When we have a "big" problem in our lives, we sometimes become overwhelmed by it. We see it as insurmountable. We don't believe we can get passed it and it becomes a major source of stress and worry. Since we can't see life without this problem, it seems unsolvable. Our thoughts repeat on the phrase, "it's impossible". Our mindset is that this problem has us in its grasps.

Geniuses believe that all problems are temporary and solvable. Think about a major problem in your life 3 years ago. Remember your mindset at that time? You didn't know how you would ever get passed that situation. Yet, here you are 3 years later. As you look back to 3 years ago, you realize that the problem that was gigantic then is either greatly reduced or not a problem at all today. Geniuses start with that perspective in mind. They know that it's usually not as bad as it seems today. Also, they don't waste their time thinking about aspects of the problem that they cannot change. They know that a major part of any problem is their thoughts about it. So, if they can't change a circumstance contributing to a problem, they focus on the aspects of the problem they can change.

Understand that new problems create new perspectives. Therefore, welcome the challenges because they stretch your minds. It is that mental stretch and growth that allows you to see major problems from 3 years ago as minor today. Fast forward the process. View problems as challenges; know that they are temporary, and that a solution can be found.

3. Vision

We typically direct our minds toward what we should do as the first step towards solving a problem. Then, we focus on the next step, and then the next. Eventually, we may hit an obstacle that makes the solution path we were following ineffective. So, we try again with a new first step, and another, and another to see where that leads. This can often result in frustration, lack of faith in how things are going, and the creation of brand new problems while trying to solve the current one.

Geniuses make their first step visualizing the end state. They focus on a vision of the true problem and all of its components and symptoms solved. By doing this, they begin to understand how it will feel once the problems are solved, and they receive clues from that vision as to the correct solution path.

In "The 7 Habits of Highly Effective People," Stephen Covey lists one habit as "begin with the end in mind". This is what geniuses do, and you can do it too. Know where you are going before you try to get there. Knowing the end state, and keeping it in mind until the problem(s) is/are solved is a major contributor towards resolution.

4. Brainstorm

When someone begins to think of solutions to a problem, they tend to think about problems in their past and how they solved them. Sometimes there are great clues there. Other times, the current problem is unique enough to require a fresh perspective. Also, fixing the real problem may require a multi-layered solution verses a standard one-action reaction.

Geniuses brainstorm. They will sit down and think through dozens of solutions. Even the solutions that at first glance they may think won't work are viable solutions for them at this stage. Even when they think they've found solutions that are perfect, they keep going. They come up with as many solutions as they think they can and then squeak out a few more until they have 20 - 30 possibilities. Then the magic happens. Combinations of those possibilities jump out to sometimes form brand new solutions to completely solve the problem. When they are done, they know that the problem will be solved, and they know exactly how it will be done.

Take out a pad and a pen. Write down 20 - 30 possible solutions for the real problem you've identified. You'll find that it's easy to get the first 10 down on paper. Typically, you'll find that the next 5 are a bit off the wall and unrealistic. However, those last 5 to 15 possibilities are where your creative juices start to kick in. You switch from pulling solutions from your memory and begin creating new possibilities. This is the stuff of genius level thinking!

5. Plan

Most of us never plan our solutions out. We keep throwing stuff at our problems until something sticks, we go with it, and we hope for the best.

Geniuses plan. Armed with the vision of the end state, and a solution or a group of solutions, they create a plan to implement those solutions. They determine what they need, help they need to request from others, the timeline it needs to be done within, and they move forward.

Many of us have no problem planning out a vacation, a birthday party or a night out on the town. Those are the same skills you'll use here. The difference is that instead of a fun evening, you'll successfully eliminate a major problem from your life permanently. Isn't that worth taking some time to plan for?

6. Act

Procrastination, perfectionism, and denial are the enemies of action. When we know there is something major we must do, many of us all of a sudden find 10 other things that we think we need to do right now. We spend the time on things that can wait and ignore the major problem we could resolve right now. Also, we often stop our own progress because we don't think we have everything perfect. We'd rather not act and wait until we have everything perfectly laid out than to begin making strides towards resolution.

Geniuses act. They act now, they act swiftly, and they act with confidence. It's not that they know all of the answers. They are confident in knowing that they will make mistakes and learn from them along the way. They don't allow the perfect to be the enemy of the good, as Barrack Obama often says. When the time comes to act, they do so.

Don't wait. Now that you have a solution to a problem you once thought was big and overwhelming, don't sit on it. Know that mistakes are a part of the process, and that you will make far less mistakes moving through these steps than just trying anything. Trust the process, trust your solutions and trust yourself.

7. Adjust

There are some folks that are going to do what they want to do, even when they know their plan has a flaw. Rather than change course along the way when necessary, they move forward as if their plan was written in concrete and they have no other options.

Geniuses monitor their progress against the end state vision they have in their mind and adjust course along the way to ensure they fulfill that vision. They understand that as they proceed along their plan, they learn more, get smarter and need to make adjustments here or there if they are going to succeed. They are committed to their end state vision. They understand that their plan is a means towards that end.

Observe the results you are getting, project your thoughts forward to see if you are on track towards your end state vision, and adjust your plan as needed. No plan is perfect, and all plans need fine tuning as you move further down the solution path. Adjusting the plan here are there doesn't mean the plan was bad. It's a natural part of the process that should be embraced if there is a need to succeed.
These seven simple steps will aid in solving any problem you come across. Practice using this system and you can become a genius-level thinker.** To comment on this article or to read comments about this article, go here. About the Author:James LeGrand is the Author of "Evolve!", an Amazon.com best seller in Religion and Spirituality. He is also the publisher of http://www.SpiritualIndividual.com, a free weekly newsletter that presents solutions to life's issues through the lens of self-help, wisdom, philosophy and spirituality. In addition, James LeGrand is a Life Strategist, an Expert Author with SelfGrowth.com & EzineArticles.com, a former Radio Personality, a Fortune 500 Vice President, and a Sifu in Shaolin Kungfu, which has been known for centuries as a pathway to spiritual enlightenment.  

Peace Love Trance  

Dr. Michael Harris
 

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Bankruptcy Doesn't Have to Be the End of Your Credit Life - By

by drmichaelharri 27. January 2010 09:48
After your bankruptcy has finally been discharged, how do you begin to rebuild your credit? The first thing to remember is what led you to bankruptcy to begin with. You don't certainly don't want to end up in the same financial situation again. The next step is to begin to rebuild your credit, but where do you start?

Credit Report

Order your credit report from the three credit bureaus (TransUnion, Equifax and Experian) to learn exactly what's on your credit report and why. You will need to order a report from each as they don't always contain the same information. The Fair Credit Reporting Act guarantees every consumer the right to one free credit report from each of the three credit reporting agencies, every year. You can order yours at http://www.annualcreditreport.com . These free reports won't include a credit score however; for those you will have to pay about $8 for just your score or $16 for a full report with your score. When a person requests his or her credit report, it is listed as a "soft inquiry" and doesn't count against your score.

To begin, you have to be educated about your credit rating. Your rating may be low, but don't despair: knowing is much better than being misinformed. If you never monitor your credit report, you'll never know what's there, and believe me, you need to know if there is information that doesn't belong -- information that could be bringing down your score. You have the right to have anything that is incorrect reinvestigated and removed. That's the first step -- get your credit reports cleaned up so that they reflect accurate information. Once again this is a right afforded by The Fair Credit Reporting Act.

Pay Your Bills

Many people might think, "I've got a bankruptcy, my credit's ruined and it doesn't matter." This isn't true. Rebuilding your credit after bankruptcy is not all that difficult and you may be able to do it faster than you may think. There are lenders out there that specialize in this credit niche. But you must pay your bills, all your bills, on time, all the time. Don't take on any obligations or debt that you cannot repay based on the terms you agreed to. This is the first step to rebuilding your credit.

Applying for Credit

You should never apply for any credit that you don't really need, that's especially true now. Don't go around haphazardly applying for loans or credit just to get a signup prize or too add one more credit card to your wallet. Every inquiry to your credit report, except for those "soft inquiries" we mentioned earlier, will lower your credit score even further. That's the last thing you need right now. Remember, applying for a loan at one place may generate many inquiries. Many businesses will submit your credit application to many different lenders generating additional and unnecessary inquiries, each one lowering your score.

Get a Credit Card

What do you mean get a credit card? That's what got me into this mess in the first place. Not true: you got yourself into this mess and not the credit card. It maybe the fact that you misused it, or had an unfortunate situation, but it wasn't the card itself. There are many types of cards and you will qualify for more than a few. What is the best credit card after bankruptcy? At this point it will most likely be a secured card but that's ok.

You need to begin to get some positive information on your credit report. If you want to rebuild your credit after a bankruptcy, get a credit card even if you are required to secure it with savings. Getting this card isn't so you can go on a spending spree. Remember how you got here. Use your new card conservatively and pay of the balance at the end of each billing cycle. If you can't do that don't use it.

Get a Car Loan

You've got to be joking? First a credit card now a car loan? If you want to rebuild your credit you can do it. You have to get as much positive information on your credit report as you can. Get a car loan. You may need to save up a little money to use for a down payment but you will qualify for a car loan with many lenders, right after your discharge. Of course there will be other factors involved, like employment, debt-to-income ratio and your ability to repay your new debt.

Remember the part about paying your bills on time all the time. Start small; get something you are certain you can afford to make the payments on. There are dealers that use lenders that specialize in making loans to people with less than perfect credit. Some even offer guaranteed approval. Find one and buy a car you can afford. Be up front with the dealer about your situation, this will make buying a car a lot easier in the long run. Make certain that the lender they use reports to the bureaus.

Don't worry about the rate; it's going to be high. Probably the state usury maximum but your timely payments will reflect positively on your credit report. If you can make extra payments go ahead and do it. You don't have to marry this loan; you just have to date it for awhile. You should be able to refinance after a year's worth of timely payments. Pay your car of early if you can. Then, and only then trade it in and do it again. Follow these steps and you're well on your way to reestablishing yourself.

Summary

Filing Chapter 7 or 13 is not the end of the world; it only seems like it. You can recover but you must be patient. You didn't get here overnight and you can't fix it overnight. If you follow these steps you will be on your way. I've seen consumers with a one or two year old discharge achieve a score of 700 and above. I've also seen people right back in the situation of needing to file bankruptcy again, in the same amount of time. It will take some effort on your part and a little time to rebuild your credit after a bankruptcy, but it can be done, and more easily than you might think. Be careful, be practical and you will find yourself back in the credit game in no time at all.

About the Author:
Gary McClure, General Partner and Founder of CMAC Enterprises, is the author of The Insiders Secrets: Your complete auto buying and financing guide.

Gary is a 25 year veteran of automobile business with experience in every aspect of sales and finance.

To follow all of Gary's tips and advice on Financing, Credit and Auto purchasing, visit
Gary's blog or learn about all of the CMAC product offerings at The Insiders Secrets website.
Peace Love Trance  Dr. Michael Harris
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