Archive for September, 2008

How Big is the Pie?

One question that can help predict the level of success people have is to gain an understanding of how big they think the pie is.  The pie, or course, is the economic potential around them.  How big do you think the economic potential around you is?

Do you think in terms of scarcity?  Is the pie small enough that you need to fight to get what you can?  Or is the pie very large?  Is the pie so big that there is enough for everyone to get what they want, for everyone to win?  Your answers to this question will tell a lot about your potential for success.  There are three different mentalities that people can have about the economic potential around them.  The mentality you have will affect your potential for success.

The Scarcity Mentality

The first type of person views the economic sphere as very limited.  The only way to get more of something is for someone else to have less.  The only way to grow is at the expense of others.  If you are gaining, someone else is losing.  This is the typing of thinking characteristic of the scarcity mentality.

The problem with the scarcity mentality is that you view success as a difficult battle.  If you have to gain by taking from someone else then it will be a struggle.  Further, if you view the fight for economic gain as a win-lose, you’ll likely feel that you are doing harm to others by growing your own level of success.  While some people will justify this kind of harm, others will simply use this as an excuse to move away from successful activity.

The Large Pie Mentality

The second type of person views the pie as very big.  These people will see that there are lots to go around, and that by being successful they are not necessarily taking success away from others.  These people believe that there are lots of opportunities around them, and places for them to fit in.

This type of person will still think in terms of competition, but believes that there is room for many competitors.  These people will be willing to work hard to get as much of the pie as they can.  They know there is lots of pie out there, and they are willing to work to get it.

This is a good attitude to have, but it can get better.

The Ever-increasing Pie – The Abundance Mentality

A third type of attitude is when you view the economic pie as ever-increasing.  People who hold this attitude will believe that as they achieve success it expands the economic pie so that others have more and more economic benefit as well.  This view believes not only are there lots of opportunities, but by taking advantage of an opportunity there can be multiple benefits.

The abundance mentality reflects the economic ideal of our system and the way that business should be done.  If you create a great product or service and sell it for a price, you should be getting more for it than what you put in.  The customer who purchases your product should also be getting more benefit than what they spend.  Therefore both you and the customer have gained an economic benefit – the pie has just expanded.

The understanding the economic pie is increasing allows us to truly think win-win.  Negotiations are no longer a competition, rather they are an opportunity to work together to determine how to provide the best possible win-win scenario.

Stephen Covey conveys this by writing, “Win-win is a frame of mind and heart that constantly seeks mutual benefit in all human interactions… Win-win is based on the paradigm that there is plenty for everybody, that one person’s success is not achieved at the expense or exclusion of the success of others.”

So what attitude do you have about the economic pie around you?  Do you carry with you a scarcity mentality, a large-pie mentality, or an abundance mentality?  The attitude that you carry with you will impact your success.

If you have the scarcity mentality you will struggle to grow your business, because at some point you believe that your success is hurting someone else.  Most people don’t want to hurt someone else and end up sabotaging their own success instead.

If you have the large-pie mentality you will see lots of opportunity for growth of your business and for success.  You may even see a large measure of success.  Unfortunately you will still approach negotiations and business sales from a competitive mindset.  While the negative side of this might not always be evident, some of your clients will feel the difference and turn you down because of it.

Finally, if you have the abundance mentality people will be attracted to you.  You will seek win-win in every negotiations or sales call that you make.  Because of it, those you deal with will come to trust you and believe that you have their best interest in mind.  This is where true success comes.

The good news is that you can choose your mentality.  You can choose to have the abundance mentality.  It may take time for you to change how you think, but by being conscious of the decisions you are making you can always look for win-win.

The Success Professor – Danny Gamache
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Posted on September 30th, 2008 by The Success Professor  |  1 Comment »

Sunday Browsing: Foolish Productivity, Attacking Your Limitations and Success as an Entrepreneur

Hi everyone,

As we end one week and prepare to start another it can be a great time to reflect on our accomplishments and goals. Tuesday is month end. Do you have any goals you still need to accomplish this month? Why not go for them? Finish the month strong and then use the start of a new month to set new goals and start over!

Here are some great blog posts that I came across in the past week:

The new blog Lateral Action talks about Foolish Productivity.

Get Rich Slowly shares how being a successful entrepreneur Is Not About You.

Think Simple Now has a great article on How to Be Outstanding.

Leo @ Zen Habits writes about how to Attack Your Limitations.

Dumb Little Man shares How to be More Disciplined and Organized When Working From Home.

Here are a couple of blog carnivals that I was a part of this week:

Rich Life Carnival

Working at Home Blog Carnival

The Success Professor – Danny Gamache

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Posted on September 28th, 2008 by The Success Professor  |  No Comments »

Simplify Your Budget

Photo by Emdot

Photo by Emdot

Do you have a budget?  Perhaps you’ve tried setting a budget only to find that you are not really following it.  Having a budget is the first step towards improving your financial situation and moving towards financial freedom.  By establishing a budget, you are able to have a clear understanding of how much money you have coming in, how much you have going out, and where that money is going.  A budget allows you to follow the primary rule of a debt free life – spend less than you make.

Unfortunately most budget systems are very complex. They require you to itemize every category of spending and keep track of where every item you spend goes.  While this system make work for people with strong organizational skills or those who have the time to track every cent, most people just end up frustrated.

Traditional budget systems are also very restrictive. Having every category scheduled to the precise amount you will spend doesn’t allow for the fluctuations that naturally occur in life.  Life doesn’t always flow on an exact monthly basis.  Perhaps during one month you purchase more groceries; the next month you may need less.  One month you may not have time or desire to spend much on entertainment, but the next month your favorite band may be in concert in your area.  When this sort of situations come up you may feel handcuffed by your budget.  It is often when this happens that people will start making exceptions and eventually abandon their budget.

Another reason that many budget systems do not work is because they are not prepared for the unexpected.    Let’s face it, life brings many unexpected events our way, and they often cost money.  An emergency fund is the ideal way to protect you from most of these; however what do you do while you are working to establish your emergency fund?  Also, many unexpected expenditures are small and hardly worth breaking into an emergency fund.  It may be an unexpected $30 because your good pair of pants developed a rip in them, or an unexpected tank of gas you need because you had to pick up your son or daughter from a friend across town.  These expenses may not be planned and in fact they may occur after you’ve already spent your budget for these areas.  It is hardly worth breaking into the emergency fund, but you also don’t have any budgeted space for them.

The end result of traditional budget systems is that most people don’t follow them for long.  Because the budget is so complex, feels restrictive, and does not allow for the unexpected, it is very easy for people to get off budget.  Once someone is off budget it is often easier for them to stay off than to start over.  And so people quit.  People start with good intentions but then end up leaving their budget behind and get back into the same financial traps they were in before.

That is why people need a simple budget system.  You need a system that will be easy to use, give you some freedom in your monthly spending, and has an allowance for the unexpected.

Steps in Developing a Simple Budget

1. Start a spreadsheet – at the top, write down your forms of income.

Write down all of your family’s forms of income (net take home pay).  For example, on our budget we have my paycheck, my wife’s paycheck, and our expected business income.  If you get paid monthly you will have one column in your spreadsheet.  If you get paid twice monthly you will have two columns.

Photo by Thebrasspotato

Photo by Thebrasspotato

2. Record all of your bills payments and anything you need to pay on a monthly basis.

In this step you should simply list everything that is a MUST pay each month.  These would primarily be your bills and debt payments, not variable expenses like groceries.  Call these your fixed expenditures. On this list you should include:

  • mortgage or rent
  • all utility bills
  • phone bill and cell phone bill
  • cable or satellite bill
  • car payments
  • student loan payments
  • minimum credit card payments
  • house and car insurance
  • monthly giving
  • any other debt payments

This list should include everything you are committed to.  If there is something on this list that you don’t want to be committed to cancel that service, or pay off that debt.  If you have two columns after step 1 because you get paid twice monthly, you should place these bills and payments in the proper column based on when they become due.  Assuming you are paid an equal during each part of the month you should try to balance out the payments.

You should also look to automate as many of these payments as possible.  Use your bank account to set up automatic bill payments so that the fixed expenses are paid without any conscious effort on your part.

3.  Total your fixed expenditures and calculate your income minus your fixed expenditures so you have your amount remaining.

After step 3, your budget should look something like this:

Simple Budget 1st of month 15th of month
Your paycheck 1200 1200
Spouse’s paycheck 800 800
Business income 600
Fixed Expenditures
Mortgage 600 600
Car Payment 350
Student Loan 300
Car Insurance 70
House Insurance 60
Phone Bill 60
Internet Access 50
Cell Phone 50
Electricity 90
Cable Bill 50
Credit Card Minimum 110
Donations 320 260
Total Expenditures 1510 1460
Income less fixed expenditures 1090 540

4.  Set a budget for your variable expenses.

Your variable expenses will be all of the other types of expenditures that you may make in a budget period (ie. a month if you are paid monthly, or ½ month if you are paid twice monthly).  This will include your groceries, clothing, gas, entertainment and any unexpected surprises that may come up.  Your goal is to estimate a reasonable amount for these variable expenses, but to keep it as low as possible.

The process of finalizing your variable expense section of the budget will take time.  You will have to play with it over the first few months of using the simple budget system.  But once it’s complete it will give you flexibility and freedom in your spending.

5. Withdraw cash each budget period equal to your variable expenses.

Studies have shown that people who spend cash instead of debit or credit cards on average spend 18-28% less.  That is true of every category of spending, even clothes and groceries.  By spending cash you have to think about making each purchase, and have the emotional response of giving up cash.
Because of this fact, you should withdraw your variable expense budget at the start of each period.  This is what you will use for every variable expense.  The important thing to remember is that once the cash is gone – it’s gone.  You need to make it last for the entire budget period.

Because the variable budget is grouped together, you have a new found sense of flexibility.  You can spend more on groceries if there is a fantastic sale.  You can spend less on entertainment if there is nothing of interest to you this month.  You can easily flex between one type of variable expense and another.  It also gives you some leeway for unexpected events.  Certainly you have to keep within your overall variable budget but you can easily flex from one area of spending to another.

6. Use the remainder to accelerate debt payments and/or to save for the future.

The money you have left by this point in your process should be used to payoff debts or save for the future.  For most people, the best first step is to pay off debts as quickly as possible.

To do this, pick one of your debts and put all of the remaining money directly on to that debt.  This is known as a debt snowball and is recommended by financial experts such as Dave Ramsey.  Some experts suggest that you start with the debt with the lowest balance (in order to create some quick success), while others argue to attack the debt with the highest interest rate (in order to save more money in the long-term).  Either option can be successful, just make sure you start paying down debts right away.

The snowball effect occurs because once you pay off the first debt you add the original payment of that first debt to your extra debt payments and start attacking the second debt.

Now your completed simple budget should look something like this:

Simple Budget 1st of month 15th of month
Your paycheck 1200 1200
Spouse’s paycheck 800 800
Business income 600
Fixed Expenditures
Mortgage 600 600
Car Payment 350
Student Loan 300
Car Insurance 70
House Insurance 60
Phone Bill 60
Internet Access 50
Cell Phone 50
Electricity 90
Cable Bill 50
Credit Card Minimum 110
Donations 320 260
Total Expenditures 1510 1460
Income less fixed expenditures 1090 540
Variable Expenses 450 450
Remaining Budget: APPLY TO DEBT 640 90

This budget system will simplify your financial life.  It sets all of your fixed payments on some form of automatic payment schedule so that you don’t worry about them.  It groups your variable expenses together to give you flexibility in how you spend them.  It can lower the stress that comes from trying to fit make every budget category equal and trying to keep track of every purchase.  By using cash you will spend less, and by following the debt snowball you will pay off your debt more quickly.

The Success Professor – Danny Gamache

Posted on September 24th, 2008 by The Success Professor  |  11 Comments »

The Success Professor’s Top 10 Book Choices

Over the past couple of weeks my articles have focused on the area of personal growth. Two weeks ago I shared 6 Steps to Grow Daily, and last week I followed it up with an article on How to Create a Reading Plan. This article will give you a starting point for developing your reading list as I share with you my top 10 book choices.

1. The World is Flat - Thomas Friedman

One of the best books I’ve read in a long time, The World is Flat, provides a vivid understanding about the changes that have happened to the world in the last decade. In many ways, The World is Flat provides a starting point for some of the other books on this list. The first section entitled “Ten Flatteners that Changed the World” goes into detail about some of the world-changing moments that have put human history on our current path.

2. Good to Great – Jim Collins

Good to Great is a fantastically researched book that exposes what good companies who became great companies have in common. It is a follow up to the best seller “Built to Last” that brought us great concepts such as the BHAG – Big Harry Audacious Goals. Good to Great is a powerful book for both business and personal growth. Valuable concepts include the Fifth Generation Leader and the Hedgehog Concept.

3. 7 Habits of Highly Effective People – Stephen Covey

In his classic book on personal development Stephen Covey shares what makes people highly effective. This book has become the standard in the field of personal growth. Concepts such as Be Proactive, Think Win-Win, and Seek First to Understand are principles that Covey illustrates throughout his book. My favorite section is called First Things First, which spawned its own book that has also been important for me.

4. How to Win Friends and Influence People – Dale Carnegie

Another classic in the personal development field, How to Win Friends and Influence People is a powerful book. The interesting thing is how basic the principles within the book are. They are obvious and yet profound at the same time. And while we may innately know that all of the tips in this book are good for our relationships, so often we don’t do them. Ideals such as “smile”, “become genuinely interested in other people”, “be a good listener” and “think in terms of the other man’s interest” are explained. Because so many of the principles are basic to life, this book serves as a powerful reminder too, helping us each to build more friendships and influence others.

5. Purple Cow – by Seth Godin

This short little book from marketing guru Seth Godin, is all about being remarkable. Godin explains how if you are driving through a rural area and notice the cows they will eventually all look the same – one cow looks very much like the next cow. If however, there was a purple cow it would catch your attention. The purple cow would be remarkable, and you would stop to see it, take photos of it, and tell others about it. Godin argues that your product or service needs to be remarkable. It can’t be the same as every other product; your product must become a purple cow.

6. The 4-Hour Work-Week – Tim Ferriss

No book in recent history has created as much excitement and even controversy as Ferriss’ 4-Hour Work-Week. Ferriss’ book is about a new lifestyle concept, one with less work, more time to focus on other life goals. For me, the most important part of the book are Ferriss’ concepts of productivity. He believes and teaches how most of us can accomplish far more each day if we eliminate the things that interrupt us, batch our communication tasks, and outsource more of our lives. While, I think Ferriss under values work, I recommend this book to many people for the productivity differences it can help with.

7. Rich Dad Poor Dad – Robert Kiyosaki

In this important book, Kiyosaki teaches financial principles through the stories of his two “dads”, one who had money and one who didn’t. He argues that the rich and poor think about money very differently and as such, teach their kids very different things about money. This book is very effective because it is presented as a narrative rather than a list of facts and ideas.

8. The Total Money Makeover – Dave Ramsey

Dave Ramsey the radio financial guru offers wonderful advice for people on how to become debt free and improve their financial future. The book offers a simple process, following what Dave calls “baby steps”. Each step builds on the previous steps and helps you move towards total financial freedom – being debt free. The value of this book lies in its simplicity and its ability to help anyone make progress towards freedom from debt.

9. 21 Irrefutable Laws of Leadership – John Maxwell

In this book one of the world’s top leadership experts, John Maxwell, breaks down leadership into 21 laws. Each law is based around a memorable story to illustrate the point. Leadership laws include the “Law of the Lid”, the “Law of Navigation”, and the “Law of Respect”. Each law provides valuable leadership lessons on its own, and when put together provides a complete treatise on leadership.

10. Renovations of the Heart – Dallas Willard

This is the most important book I have read on spiritual growth. Willard calls people to fall of the life of Christ and to take on Christ-like character for ourselves. The book calls people to a transformation that can take place in people through our spirit. If you long to follow the historical Jesus, not necessarily what today we call “Christianity”, this book will be of interest to you.

Well those are my top 10 choices. Currently, I’m reading Getting Things Done by David Allen, and it may easily crack this top 10 list. The only problem is, I’m not sure which one it should replace.

Your turn:

What are some of your top book choices? What are you reading currently? Do you have any feedback on any of my selections?

The Success Professor – Danny Gamache

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Posted on September 22nd, 2008 by The Success Professor  |  18 Comments »

Sunday Browsing: Potential, Projections, Sunk Costs and Your Success

Go Sunday Browsing instead of Sunday Driving

Go Sunday Browsing instead of Sunday Driving

Hi everyone,

This has been another wonderful and busy week. It was highlighted by our Welcome BBQ and Monopoly Tournament for the students I teach, plus a wonderful Saturday building my home business. Here are some of the best articles and stories I came across during the past week.

1. One of my favorite blogs, The Art of Non-Conformity, warns that we should Beware of Potential and push through rejection.

2. Whakate, talks describes how a Closed List can help you regain control over your day.

3. The Urban Monk, asks if Your “Projections” are Limiting Your Success?

4. Scott H. Young teaches us to not Forget the Sunk Costs.

5. Finally, Seth Godin discusses How Often Should You Publish? A great post for artists, authors, bloggers etc.

Enjoy the links!  Set some great goals, and go have a great week!

Posted on September 21st, 2008 by The Success Professor  |  2 Comments »

How to Create a Reading Plan

Developing a Reading Plan

Developing a Reading Plan

Last week I wrote about 6 Steps to Grow Daily, and one of the points is to read. A great way to ensure reading is to have a reading plan.

As a professor, I read a lot. Reading is a part of my job. Each year, I need to submit to my boss a reading plan of books that I intend on reading during the course of the year along with a list of books completed over the past year. This is considered a part of my professional development.

Do you have a reading plan for your personal growth? If not start one today. You can make a list for an entire year or for the rest of this calendar year. Our reading plan does not follow the calendar year, but rather the school year. I set my reading plan each year in May and work through it from June to the following May.

How to Set up Your Reading Plan

1. Determine How Many Books You Plan on Reading

The starting point for any reading plan is to know how many books you intend on reading during the course of the next year. Be sure to set a realistic goal, but one that will force you to stretch a little bit. In other words, you should at least have to remember its your goal and take active steps towards completing it.

The first couple of years that I submitted reading plans I was overly ambitious. I would list about 40 books, figuring I could complete one almost every week. For me, this was simply unrealistic. Instead most years I completed about 20 books. That helped me to set my goal of 24 books a year.

It is not important whether you are able to read 10 books, 20 books, or 50 books. What is important is that you take steps towards personal growth by reading and completing your goal.

2. Determine the Categories of Books You Want to Read

Your reading plan should have books from a variety of different categories. This helps you to ensure that you are reading and growing in a wide number of areas. Your list of categories will naturally be different depending on your position. I use the following categories:

  • General Personal Growth & Productivity
  • Leadership
  • Money & Finance
  • General Business
  • Spiritual Growth
  • Fun

3. Brainstorm Books You May Want to Read

In this step, you simply want to list books that you may be interested in reading. Start this step by looking through books you own already but have not read. If you are like me you have a lot of books that you have yet to read. These naturally go on your list.

You can also add to your list by checking out the best sellers at Amazon ( Amazon Business Best Sellers ) or other book stores. You also can add any books to your list that you have been interested in reading, but haven’t gotten to yet.

Finally, you can add books to your list based on recommendations from your friends, bloggers you trust, or others. This can be a fantastic way of learning about important books that can be valuable for your life and business.

4. Pick the Most Important Books to Read from Your List

Here you want to start sifting through your brainstorm list and picking the most important ones for you to read. Your goal is to end up with a list that is equal to about 75% of the total number of books you want to read during the upcoming year (or remainder of the year).

For example, with my goal of reading 24 books in a year, I am to pick only 18 books to put in my reading plan. Why not 24? It is important for you to leave yourself some flexibility to add new books to your list throughout your year. This helps you so that you don’t feel tied down to only reading from your list. If a new exciting book comes out that is important for you to read, go ahead.

5. Record your Completed Reading

Once you have the plan in place you can start a list of all of the books you have completed. I keep my list in an Excel document. Every time I complete a book I record the name of the book and author in my Excel document. I do not start a new one each year, rather I continue to use the same spreadsheet, so I can see quickly all of the books I have read since I started the list.

6. Keep track of Other Books to Read

Throughout the year you will naturally hear about new books that you would like to read. You need to develop a system to keep track of books that you are interested in reading. I keep a Word document on my desktop filled with potential reading ideas. Every time that I come across a book I’d like to read I just copy and paste the name and author, or even the Amazon URL straight into my Word document. This way each year I can review the list as part of my brainstorming in step three.

It is important that you start reading today. Pick a book you are excited about reading and get started. Later in the week I’ll share some of my favorite books from each of my categories.

The Success Professor – Danny Gamache

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Posted on September 15th, 2008 by The Success Professor  |  11 Comments »

Sunday Browsing – Failure, Productivity, and Business Development

Hi everyone,

Another week is complete.  It was a great week for me in many of my goals.  Here are a few excellent articles that I came across this week.

1. Zen Habits shares 6 Questions to Ask Yourself to Get the Most out of Life.

2. Millionair Money Habits shares why Failure is Not an Option, It’s a Necessity.

3. Mark and Angel Life Hacks compile a great  list of 22 Swift Tips to Increase Productivity.

4. John Jantsch has a guest article on Small Business Trends about the problems a lot of small business owners have with money.

5. Business Development in Context shares 4 Things You Can Do Today to Develop Your Business.

The Success Professor – Danny Gamache

Posted on September 14th, 2008 by The Success Professor  |  No Comments »

Six Ways to Grow Daily

Personal development is a key to success. By reading this blog, you are demonstrating that you are committed to personal growth. Often people realize the importance of personal growth, but don’t do anything deliberate on a daily basis to provide for opportunities to grow. It is important that you commit to doing some form of personal development daily. This will ensure that you are always improving and moving towards your goals. Unfortunately, personal development is often one of the first areas that people let slip when they get busy. That is because it is never urgent, and it appears that it can always wait. While it may not be urgent, it is certainly important and in fact can be one of the most important activities you can pursue.

One way to ensure that you continue to pursue growth is to commit to a daily time of personal development. Many find that 20 minutes a day is an ideal number. It is not a long commitment. You can squeeze in 20 minutes even on a busy day. But 20 minutes is long enough to make a difference; to charge you up, and help you learn something important for your life.

So what do you do with 20 minutes to ensure growth? Here are six ways you can grow each day, and all of them can be valuable in just 20 minutes each day.

1. Read A Book – You should always be reading. Reading opens your mind to new ways of thinking and to new ideas. As you read you’ll be inspired, encouraged, and challenged. Chances are that no matter what goal you are pursuing, or what problem you are facing, that someone has faced a similar issue before and has written about it. By reading from them, you are able to avoid making mistakes that others have already made. If you don’t like to read, then make sure you get audio books. Audio books not only are valuable if you don’t like to read, but allow you to listen while you drive or exercise.

2. Pick a Few Blogs to Follow – There are many wonderful personal development blogs. By picking a few blogs and keeping up with them daily, you can continue to pursue growth with the blog’s author serving as your mentor or coach. Certainly, it is easy to get overwhelmed by trying to follow too many blogs. Eventually your list of unread posts grows and the list just overwhelms you; when that occurs you end up not reading any. By sticking with a few favorites, and subscribing by RSS, you can focus on picking up a few ideas each day.

3. Listen to Audio Trainings or Podcast – Listening to audio presentations can be another inspiring method of personal growth. You can listen to traditional training material from experts such as Jim Rohn, Zig Ziglar, or Tony Robbins. There are also dozens of other motivational speakers, trainers, and experts who offer free podcasts for you to download. Another example of the audio presentations available by podcast are sermons. You can listen to top preachers from around the world on a weekly basis.

4. Learn a Language – Learning a new language is a powerful form of personal growth. It helps to increase your creativity as you learn to thinking in a different language. It also prepares you to be more competitive in today’s workforce and business world. Further, it gives you greater flexibility in your ability to travel. You can learn a language at home through programs like the Rosetta Stone, through many other audio training programs or taking a local course.

5. Take a College Course – Another powerful form of personal growth is to take a course at your local college or university. Pick a topic that you would like to learn, whether that is just for your personal pleasure or to learn a new practical skill. After graduating, I have continued to take extra courses including a course in Racket Sports (to improve my tennis and learn a few other sports), a course in preaching, and a history course. All of these were valuable in my personal growth.

6. Hire a personal coach – A final way to ensure consistent personal growth is to hire a personal coach. Personal coaches are equipped to help you set and achieve goals in many areas of life. A good personal coach will help you to set goals, develop a plan, and become more effective as you move towards their achievement. A coach can help you in multiple areas of your life, by becoming a source of accountability as you live out your plan.

You certainly don’t need to do all of these things. Pick the one or two that you are most interested in and that fit best into your lifestyle. Commit to twenty minutes each day and start putting these activities into action.

Now readers it’s your turn. What are your favorite ways of personal development?

The Success Professor – Danny Gamache

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Posted on September 12th, 2008 by The Success Professor  |  5 Comments »