10 important things in life - to enhance your personal and professional life

Hope - "I've always believed the future is in God's hands." Everyone has problems. How we respond, on good days and on bad, determines how well we live our lives.
Persistence - "Persistence is the single most important ingredient of success in life." It has to do with hard work, commitment, and, especially in times of adversity, sheer willpower. Persistence has a purpose and clear focal point.

Confidence - "Confidence is both a choice and a gift." We grow our confidence by taking risks and overcoming them. This does not imply success each time we take a risk or do something new. It does imply that we learn each time we do.

Optimism - "An optimistic attitude is not a luxury; it's a necessity." It fundamentally shapes our feelings, our performance, and our relationships. It channels our energies along productive paths.

Respect - "Every person is a human being created in the image of God with a purpose and place in life." We affirm and empower people by showing them respect. My own father taught me there is dignity in all work and respect is due to those who perform it.

Accountability - "Accountability is the glue that holds society together." We are responsible for what we do. We can freely choose, though the potential choices vary for each of us. In like manner, we must honestly accept accountability to ourselves and to others for our choices and their outcomes.

Family - "The home is where love and responsibility are learned and where values are transmitted from one generation to the next." We each have an obligation to nurture growth in our spouses and children, for the health of our families largely dictate the health of the other institutions in our society.

Freedom - "Free people in a free society can choose good, or they can choose evil." Where freedom is strongest, so too is economic well-being, culture, civil society, and personal opportunity.

Faith - "Without faith in a personal, creator God, the universe is a meaningless place, nothing in life has direction, and moral principles are impossible." Faith is not just a belief system, but a basis for our actions and feelings, most poignantly when we face seemingly insurmountable difficulties. "Faith is beyond reason: it fills the gap when you don't know what to do or what's going to happen."

Grace - "God's grace gives hope in the most hopeless situations." This is the most deeply personal of the lessons.

TOP TEN STEPS TO BECOME A MILLIONER

The Top 10 Steps To Becoming A Millionaire

By Dr Philip E. Humbert

There is perhaps no more important decision than to take charge of your own financial future. We live in a world of opportunity, and yet most Americans are buried in credit card and other debt. We are surrounded by people who are getting rich, but most of us are running in place. If you can read this, you are literate, have a computer, you are part of the "wired generation". You can become as financially independent as you wish to be. Here are the Top 10 keys to your financial success:

Decide to be financially successful. This is different than wishing, hoping, wanting or even desiring to be rich. Make a commitment that this is going to happen! Financial independence is not an accident or matter of luck, and it usually requires some inconvenience. Have you decided to achieve this goal?

Understand how money works. Most of never studied finance or investing in school. Most of were never even taught to balance a checkbook! To master anything, you have to understand it. Read. Study what successful people do. Take classes.
Master your relationship with money. Some of us spend for excitement, to show off, to prove we can. Some of us are addicted to spending, and some of us are just careless about it. Whatever your relationship with money, understand it and develop a relationship of respect, appreciation and gratitude. Use your money, rather than allowing it to run your life.
Set specific goals. They should be challenging, but not unbelievable, just out of reach but not out of sight. Challenge yourself to be out of debt by a specific date. Make a commitment to saving an exact amount each month.
Develop a budget. A budget is a set of dreams and aspirations. It's how you really, really want to use money to benefit your family and run your life. Budget to buy the things you really want, and to eliminate the "impulses", the toys that waste too much of our income. A budget is a map to your destination. Have one and use it!
Reduce spending. Yes, this comes after making a budget, because when you begin getting control of your money (rather than the other way around) you have powerful new reasons to reduce expenses. Most self-made millionaires live far below their means! You should to.
Begin investing. Most of us spend or speculate. Both are roads to disaster! Invest in things you understand. Invest cautiously, wisely, and regularly. The objective is not to "make a killing", but to get rich over time. Know and obey the distinction between gambling, and putting your money to work for you.
Increase assets. Most people try to increase their income, and that's a mistake. Making more money means paying more taxes. It takes time and hard work. And, when wealth arrives in the form of cash, it's easier to spend. Millionaires buy stocks and buildings, they invest in assets that will make them rich – and that are hard to spend on a whim!
Reduce taxes. Most Americans pay more in taxes than for food, clothing and shelter combined! It is your largest expense! The poor and middle class don't realize how much they pay because it's deducted from their pay check. The wealthy know there are legal and appropriate ways to shelter income, to invest in socially-responsible ways, and that the tax code encourages this. Learn the tax laws and use them for your benefit! (Yes, it's the most boring reading you'll ever do, and worth it!)
Use your wealth wisely. Someone once said, "The reason most of us aren't rich is that we'd spend it all on ourselves." Give. Share. Help others. When you use money to make a difference, to have a positive impact, you get the chance to do more. Being greedy and selfish will not draw money to you. Investing in your community, will!

To begin your education about money and becoming a millionaire, I highly recommend several books on the subject. Two of the best are: "The Millionaire Next Door" by Thomas Stanley and William Danko, and "Rich Dad, Poor Dad" by Robert Kiyosaki and Sharon Lechter.

hello comm-500

This is my first time writing a blog so kindly pardon me if i m wrong somewhere !

MY INTEREST IN CREATING BLOG WILL BE DIVERTING OUR MIND TOWARDS ACHIEVEING OUR DREAMS OF GETTING FINANCIAL INDEPENDENT .HENCE THE FURTHER DISCUSSIONS IN THIS BLOG WILL BE COMING UP ON FUTURE MILLIONERS AND PATH TO CHOOSE TO BECOME ONE .

CHEERS!!

PARAM