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Quotes on life

Quotes on life

Quotes on life
Thought is the original source of all wealth, all success, all material gain, all great discoveries and inventions, and of all achievement.
—Claude M. Bristol
We have passed from a world based on material limitations into a world that is determined by mental concepts. We have moved from the age of things into the “Psychozoic Age,” the age of the mind. Wealth and opportunities are contained more in the person you are and the way you think than in the assets you have acquired in life so far.Your future lies more in your ability to apply your mind and in- telligence to your work and your life than it does in your current job or situation.
Because health, wealth, and happiness are essentially mental, there are very few limits on how much of them you can acquire for yourself. In this chapter, and in subsequent chapters, you will learn many of the simple, practical, proven methods, techniques, and strategies used by high-achieving men and women in every field to accomplish far more than they, or the people around them, ever dreamed possible.You will learn how to break the bonds of limited, conventional thinking, expanding your desires and ambitions so dramatically that you will be able accomplish any goal that you could ever set for yourself.

There are three major forces reverberating through our world today, transforming everything they touch and creating unlimited oppor- tunities for the creative minority.These three forces are the incredi- ble growth in information, technology, and competition.
➤ Information and Knowledge Explosion The information revolution, combined with the speed of computer- ized information processing, the Internet, and wireless communica- tions, is enabling knowledge in every field to double every two or three years. Fully 90 percent of all the thinkers, inventors, engi- neers, scientists, writers, entrepreneurs, and creators of all kinds who ever existed are living and working today. The results of their efforts are becoming almost instantaneously available to each other, thereby doubling and tripling their outputs.
➤ Technological Advances The explosion in technology and high-speed computers is literally breathtaking. Today, you can e-mail a message around the world to dozens, hundreds, or even thousands of people simultaneously, in a matter of seconds, at a cost of pennies. The World Wide Web gives you access to tens of millions of other Internet users, as well as to the accumulated knowledge stored in more than 50,000 libraries and research institutes. Instantaneous transmission of data enables the money markets to move a trillion dollars per day, sometimes in seconds, making it impossible for countries to control their curren- cies, much less their economies.
In the twenty-first century, you will own a laptop computer with a microchip that can process one billion commands per second. It will have a long-life battery and a built-in cellular telephone, con- nected to cells and satellites that will enable you to communicate instantaneously with almost anyone, almost anywhere in the world. You will have your own personal telephone number that will enable anyone in the world, anywhere, to telephone you, wherever you are, whether or not they even know what country you are in. And this
telephone technology will probably fit on your wrist like a large dig- ital watch does today.
➤ Thriving Competition The third major factor driving our lives is competition. Every busi- ness organization wants to generate sales and make profits, locally, nationally, and internationally, if possible. To survive and thrive, each person and business must be continually seeking faster, better, newer, cheaper, easier ways to deliver value to their customers.
Every advance in knowledge and technology creates opportuni- ties that fleet-footed competitors can grab and run with to create new products and services to leapfrog each other in their markets. All three forces—information, technology, and competition—are multiplying times each other to create the greatest rate of change in human history. And if anything, the rate of change is going to in- crease in the years ahead.

Fully 80 percent of the products and services that you will be using five years from now will be brand-new or completely transformed from today. Probably 80 percent of the jobs being done in five years will be new jobs or jobs that have been completely transformed by the onrush of information, technology, and competition. And the good news is that every single change that takes place opens up more opportunities and possibilities for you to achieve your goals and make greater progress, faster than ever before.
The forces of change impact everything you do. The rate of change is accelerating week by week and month by month. The speed and variety of change is something over which you have no control, and about which you have no choice. The only decision you have to make is whether you are going to be a “master of change” or a “victim of change.” Are you going to be a creator of circumstances or a creature of circumstances? Are you going to ride the wave and stay ahead of the curve of change, or are you going to be bowled over by it and left in its wake? It will be one or the other, but the impact of change will be forced upon you, whatever you do.
If you want to learn how to cook, you study cooking. If you want to be a lawyer, you study law. If you want to be an engineer or an ar- chitect, you study engineering or architecture. And if you want to be financially successful, you study others who have become financially successful before you.You find out what they did, and you do the same things, over and over, until you get the same results.
Making money is a skill, like riding a bicycle or operating a com- puter. Because it is a skill, it is therefore learnable by anyone who wants to acquire wealth. If in the past you have accepted the false idea that you cannot make or keep all the money you want, it is now time for you to get rid of that idea. It is a false belief. It is time for you to decide to become financially independent.
The Greek philosopher Aristotle first articulated the foundation principle of Western philosophy in about 350
. It became known as the Aristotelian Principle of Causality. Today, we call it the Law of Cause and Effect. This law says that for every effect in your life, there are specific causes. It says that everything happens for a rea- son. Success is not an accident. Failure is not an accident, either. What happens to you is not determined by luck or by coincidence. It is the result of unchanging law.
My journey from unemployment and poverty to success and fi- nancial independence started when I began to study the most suc- cessful people in our society. My idea was simple: I would find out what they had done to accomplish so much, and then I would do the same things. Why reinvent the wheel? What I discovered changed my life. It will change yours as well.
When I began my reading and research in the 1960s, there were seven hundred thousand millionaires in the United States, mostly self-made, having started with nothing. By 1980, according to the IRS, there were 1,800,000 families or individuals with a net worth of more than one million dollars. Today, there are more than five million millionaires, an increase of 277 percent in 22 years. And most of them are self-made as well.These are men and women who started with little or nothing, often broke or deeply in debt, and who gradually accumulated enough money to become financially independent.
Self-made millionaires come from every walk of life, with every level of education and skill, and with every difficulty, obstacle, handicap, and challenge to overcome that you could ever dream of. Some are young and some are old. Some are new immigrants who arrived in America unable to speak English, and some are from families that have been in America for generations. Some have excellent educations from the finest universities, and some are high school dropouts. Some have superb physical health and others are in wheelchairs, hard of hearing, blind, or have other physical limitations.
The most important thing to remember is that no matter what difficulties you have, no matter what problems you feel are holding you back, someone else, and probably thousands of other people, have had far greater obstacles to overcome than you could possibly dream of, and they have gone on to become successful nonetheless. And what others have done, you can do as well.
Dr. Thomas Stanley of the University of Georgia spent more than 30 years studying self-made millionaires. He interviewed thousands of them and compiled his findings into a variety of books, research studies, and reports, including two best-selling books, The Million- aire Next Door and The Millionaire Mind. His research shows that every single kind of person, from every walk of life, has been able to start from nothing and pass the magic million-dollar mark by doing certain things in certain ways, over and over again.
When I began studying self-made millionaires, I was living in a rented apartment with rented furniture. I had a used car that was not paid for and I was deeply in debt. I was between jobs and living off credit cards.
The first thing I found was that self-made millionaires did things differently from average people, and I was tired of being av- erage. I therefore decided to stop doing what I was doing, which wasn’t working, and to start doing what they were doing. My life has never been the same since this decision.
It wasn’t easy to change my thinking about money and my fi- nancial future, but eventually these efforts began to pay off. Like a large ocean liner changing direction, one degree at a time, my habits began to change. Within five years, I was out of debt and making good money. In another five years, I passed the million-dollar mark. When I look back, I see that it was no miracle. All I really did was to learn what other successful people had done before me and then do the same things until I got the same results.
There are a great many myths about self-made millionaires. If you want to become a self-made millionaire yourself, you must dispel these myths from your own mind. Remember, as the humorist Josh Billings once said, “It’s not what a man knows that hurts him; it’s what he knows that isn’t true.”
Many people have fixed ideas or beliefs about themselves and money that are holding them back. These ideas may be completely untrue, but they will cut off your chances of success nonetheless. You must get over them. To achieve something you’ve never achieved before, you will have to think in ways that you have never thought before. One myth is that you have to have a great education to become rich. Another myth is that you have to start off with a lot of money. Some people are convinced that financial success depends on get- ting a lucky break of some kind, like picking a hot stock in the stock market.
None of these myths are true. In fact, a survey of members of the Forbes 400, the 400 richest men and women in the United States, found that high school dropouts in the group who made it to the list were worth, on average, $300 million more than university graduates on  the list.
The most successful immigrant group per capita in the United States, in terms of starting and building successful businesses, are Russians.Why is this so? It is because the Russians have come from a system where it has been so extraordinarily difficult to succeed that when they arrive in America, believing that America is the land of opportunity, they find that it is much easier to succeed than they have ever experienced.
As a result, Russians start business after business and achieve successes that the average American continually claims are no longer possible. Because they absolutely believe that it is possible for them, they make their dreams come true. Their beliefs become their realities.
The past president of General Electric Company, Jack Welch, was considered to be one of the best business executives in the world. He said that the most important single quality of leadership is what he calls the “reality principle.” The reality principle says that you must deal with the world as it is, not as you wish it would be.You must strive to be completely honest with yourself and your situation.You must refuse to engage in self-delusion and the hope that things will work out whether or not you do anything about them.
Especially when it comes to building wealth, you must be totally honest with yourself. You cannot afford to play games with your own mind if you truly want to be wealthy.You cannot wish and hope and pray that somehow you are going to win the lottery or strike it rich as a result of luck or some remarkable external circumstance.
Often people ask me about the role of luck in success.They are con- vinced that luck is a critical factor in achieving anything worth- while. They feel that some people are just lucky and some are not. They talk about luck as if it were a matter of fate or destiny, largely inexplicable. They insist that a person gets to the top of his field largely as the result of getting lucky breaks, which they, of course, did not get.
I have studied the concept of luck for many years. My conclu- sion is that luck is a word that people use to explain away things that turn out much better than could have been expected. If a person achieves great financial success at a young age, people say he was “just lucky.”
Some people use luck to describe something remarkably good that happens that is out of the ordinary. But it is not luck at all.The fact is that all so-called lucky outcomes are really the result of prob- abilities.There is no such thing as luck.
The Law of Probabilities says that there is a probability for everything that happens. These probabilities can often be deter- mined with considerable accuracy.The entire insurance and under- writing industry is based on probabilities, which are expressed in actuarial tables.
There is a probability that you will become a millionaire in the course of your working lifetime. Today in America, one family in 20 has a net worth of more than one million dollars. This means that your likelihood of acquiring a million dollars is one in 20, or 5 percent.
However, this also means that your likelihood of not acquiring one million dollars, should that be your goal, is 95 percent. These are not good odds.Your job must be to improve the odds in your fa- vor.Your aim should be to dramatically increase the probabilities of achieving financial independence by doing more and more of those things that will help you to achieve your goal.This principle applies to anything you want to accomplish.
The more different things you do that are likely to help you to achieve your goal, the more likely it is you will do the right thing at the right time. If you set clear, written goals, make detailed plans, and continually upgrade your skills to increase your income, you in- crease the probabilities that you will earn a good living.
If you study money and investments, save and put aside 10 per- cent to 20 percent of your income every month, keep tight control over your expenses, and think long-term about your financial life, you will eventually become a millionaire. It is not a matter of luck. It is just a matter of probabilities.
Imagine you are an inexperienced dart thrower, slightly inebriated, in a darkened room, standing some distance from the dartboard. Even under these conditions, if you throw enough darts in the di- rection of the dartboard, you would eventually hit it. And if you continued to throw darts, almost in spite of yourself you would be- come more accurate. As a result, by the law of probabilities, you would eventually hit a bull’s-eye.
This metaphor explains why people who start off with high levels of desire and determination ultimately succeed. They just keep trying. And by the law of probabilities, they finally win. It is not luck.They create their own luck by what they do, or what they fail to do.
Now, imagine the conditions are different. Imagine that you are a skilled dart thrower, and that you practice every day to get better. In addition, you are fully rested, clear-headed, and completely pre- pared.The lights in the room are bright and you stand at a reason- able distance from the dartboard. Under these conditions, all of which are under your control, the time it would take you to hit a bull’s-eye would be greatly reduced. And of course, when you do hit a bull’s-eye, everyone would tell you how “lucky” you were. But you made your own luck.
Throughout your life, you must be constantly thinking about all the things you can do, in every area, to increase the proba- bilities that you will be successful in achieving your goals. You should leave nothing to chance. You should refuse to wish or hope, or trust to luck.You must take control of your situation.You are responsible.
You will achieve financial success only after you accept that every- thing that you ever become is completely up to you.You are responsible. No one is going to do it for you. Keep repeating, “If it’s to be, it’s up to me!”
Fortunately, in America there are more opportunities for wealth creation and personal success than have ever existed previously in all of human history.The United States is the only country on earth that is commonly referred to overseas as “the land of dreams.” In 2003, it was rated as the most entrepreneurial country in the world. This means that it is easier to start and build a successful business in the United States than it is anywhere else on earth.
As information and technology continue to expand and mul- tiply times each other, and competition continues to intensify, more and more opportunities are opening up every day for the creative minority who are willing to take advantage of them.Your job is to find these opportunities, and if you don’t find them, cre- ate them for yourself.
One of the discoveries in the research on self-made millionaires is the finding that most of them start off with little or no money. Most of them start off by saving their money carefully for a long time un- til they have enough to start a small enterprise or business. Some of the biggest companies in America were started on a kitchen table or in a garage, like the Hewlett-Packard Company or Apple Com- puter. Some of the newest millionaires in America come from the field of multilevel marketing.Working from home, they paid $50 for a sample kit and went out to work. They sold something, made a profit, reinvested their profits, grew larger, and eventually achieved financial independence.
In Dr.Thomas Stanley’s interviews with self-made millionaires, he discovered their common denominator of success.The most im- portant quality that self-made millionaires used to explain their suc- cess was the habit of hard, hard work.
Self-made millionaires work much harder than the average per- son. They start earlier, work harder, and stay later. According to many studies and interviews, self-made millionaires work an aver- age of 59 hours per week. Some work considerably more, especially at the beginning.
The average employed person puts in about 40 hours per week on the job, but only about 32 hours of that is officially working time. Fully 50 percent of time spent at work is wasted in idle socializing with co-workers, personal telephone calls, and personal business. Average employees start a little later, take long coffee breaks and lunch hours, and leave a little earlier. Even managers privately re- port that they spend fully half of the time they are at work doing things that have absolutely nothing whatever to do with the job.
Only about 5 percent of people working today work full-time on their jobs from the time they begin each day until the time they fin- ish.These people are the ones on the fast track in their careers.They are moving upward and onward, getting paid more and being pro- moted faster. They are the movers and shakers in every business, and everyone knows who they are.
The saddest part of the research into employee work habits is not just that people waste a lot of time at work. It is that in the other 50 percent of the time, when people are actually working on com- pany tasks and responsibilities, they tend to work on low-value, low-priority tasks. As a result, they contribute little of value to their companies. Low productivity leads to lower wages and fewer opportunities.
Every year, hundreds of thousands of people are laid off from large and small corporations, often from white-collar, midmanage- ment jobs. Why is this? The answer is simple. The companies have finally learned that they are paying high salaries to people who are producing very little of value. No company can survive very long under these conditions, and these companies are determined to sur- vive. So the redundant staff has to go.
If you are serious about becoming financially independent, or even better, becoming a self-made millionaire over the course of your career, here are two facts: First, it is definitely possible. Hundreds of thousands of men and women become financially independent each year after having started from nothing.Whatever others have done, within reason, you can do as well. The very fact that someone else has achieved a particular financial goal is proof it is possible for you. The only question is, how badly do you want it?
Second, the reality principle says that if you want to be success- ful in any area, you have to find out what other successful people have done to succeed in that area, and then do the same things over and over until you get the same results. As long as you don’t try to fool yourself and look for shortcuts, you are virtually assured of eventually achieving, and even exceeding, your goals.
Begin today to apply the “40 Plus Formula” to your work and your career. This formula says that you work 40 hours per week in the United States for survival. If you work only 40 hours per week—if you work only the number of hours that are required of you—then all you will ever do is survive.You will tread water financially.You will make enough to pay your bills and perhaps a little more be- sides, but you will never get ahead and you will never be successful. According to the 40 Plus Formula, every hour that you put in over 40 hours on your job, or on yourself, is an investment in your future success.You can tell where you are going to be five years from now by simply looking at how many hours per week you put in on your job. Every hour over 40 that you invest in getting more results for your employer and your customers adds up and contributes to your long-term success.
If you work 45 to 50 hours per week, you give yourself an edge over your co-workers. If you work 55 to 60 hours per week, your long- term success is virtually guaranteed.You put yourself on the side of the angels. Many self-made millionaires work 70 to 80 hours per week to get established in their careers. There are no shortcuts to lasting success.
I have studied successful men and women in America for more than 25 years. I have never found a single successful person who got there working only 40 hours, or five days per week. The idea of the five-day week, which was promoted by the labor unions as a great advance in the life of the working person, has been the cause of more financial underachievement and failure than perhaps any other single myth.
The fact is that, especially at the beginning of their careers, all really successful people work much harder than the average person. They work 10 to 12 hours per day, six days per week.They work at this rate for many months and years, before they reach the point where they can slow down. The average self-made millionaire has taken 22 years to get from being broke to having a net worth of more than one million dollars. It is not easy and it is not quick. But it is definitely possible if you want it badly enough.
A key part of success at work is to use your time well, to focus on re- sults, and avoid the time-wasting social activities of the poor per- formers. In correlation with this is the need for you to “work all the time you work.”
This is a remarkable idea for many people. Often employees think about work as if it was an extension of school.When they were growing up, they came to think of school as a place where you go to socialize. You take the required courses, but the most important part is spending time with your friends between classes. School be- comes a form of play.
Many people think, when they take their first job, that work is also a place where you go to spend time with your friends. This is why fully half of the working day is spent socializing, and in idle conversation on the telephone with friends and family.Work is seen as a giant sandbox where you continue to play as you did in school. You do a little work when the boss is watching, get a paycheck, and then go home.
But this is not for you. If you are determined to succeed greatly and be paid the very most, you must work all the time you work. When you go to work, you must put your head down and work wholeheartedly.
Many people believe the myth that you have to spend a lot of time getting along with your co-workers.They say, “Work is supposed to be fun!” And this is true up to a point.
Of course, it is important for you to be positive and agreeable person to work with. But you can accomplish this in a few minutes of pleasant interaction each day. You don’t have to spend endless hours chatting about sports, television shows, and family activities. Your job is to work all the time you work.
When you work, you work.You do not pick up your dry cleaning or drop off your laundry during working hours.You do not socialize with your friends or chat on the phone with your family.You do not take long coffee breaks and extended lunch hours.You work all the time you work.You commit yourself to getting the very most done that you possibly can in the time that you have available to you.
Your goal is to earn the reputation around your company as being the hardest-working person in the organization. If someone wants to shoot the breeze with you, explain to him or her that you would be pleased to chat after work, but right now you have to get back to work. Keep repeating to yourself, “Back to work, back to work, back to work!”
People who achieve great financial success, either in their own businesses or working for other organizations, are people who very early develop a reputation for hard, hard work. There is a saying in business: “Everyone knows everything.” There are no se- crets. Everyone knows who works the hardest in every organiza- tion, and who doesn’t.
There is no quality that will bring you to the attention of people who can help you faster than your developing a reputation for being one of the hardest-working people in your company.
Napoleon Hill, the author of Think and Grow Rich, once told the story of a young man who started at the bottom of a large organiza- tion and eventually moved up into the top ranks of executives, passing all the people who had started with him at the same level. His strategy was simple. He noticed that his boss came in a little earlier than the rest of the staff, stayed to finish up his work, and left a little later than the others.This young man therefore resolved to arrive 15 minutes before his boss and to leave 15 minutes after his boss left.
He put his resolution into action the next day. This is another hallmark of high achievers:They don’t procrastinate when they have a good idea; they take action immediately. The young man began coming in 15 minutes before his boss and going straight to work, continuing all day. When his boss left he would still be at his desk, working away.
The boss said nothing for several weeks. Finally, after work one evening, his boss came over to his desk and asked him why he al- ways seemed to be there, even though all his co-workers had left. The young man said it was because he was really determined to be successful in this company, and he knew he couldn’t be successful unless he was willing to work harder than anyone else.
The boss smiled and nodded and went on his way. Soon after that, the boss asked him to do something that was not part of his job description. He did it quickly and well, delivered it to his boss, and went back to his desk. Soon after, he was given another assign- ment, which he also completed quickly. Within a year, the young man had been given several additional responsibilities, each one of which he accepted and fulfilled immediately.
In his second year, he was promoted to a higher position. He studied, upgraded his skills, and continued to work hard. Within a couple of years he had surpassed all of his rivals. He had earned the respect and esteem of the other managers.They soon promoted that he was one of them, rather than one of the staff. His career took off. Eventually he became a vice president of the company.


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