• The evidence that many, many of us struggle with our weight control and managing our personal finances is so clear we don’t need to make the case. The subjects are given much space in the press and media. Fad diets and quick money solutions are offered everywhere we look. So, why are we so fat and debt laden as a people? What really works?

    The two issues share the same basic architecture. Both are the product of simple income versus outgo. Spend the money you make or more, you have troubles. Eat more calories than you use up or pass on, you gain weight. Got it? This is on the test, so be sure. What test, you say? The main one; whether you live well or poorly. This is the test on which you most want an A+.

    If you are persistently overweight and/or plagued with continuing money struggles it does not take long for you to dislike yourself. That self image issue becomes predictive as it dominates and controls your “self talk”. As this condition advances you become hopeless, helpless and hapless, so it seems. The more you try fad diets and quick, easy fixes that fail, the worse you feel.

    Step back. You can do this. No one else can. Income and outgo. When it comes to money, income is the slow side of the scale to effect. You have to do the right things persistently for a long time to gain increased income, BUT you can adjust your spending right now, today, this minute. Conversely on weight control, outgo is very slow and time consuming to affect. It takes a very long time on the treadmill to burn off a piece of chocolate cake and twice that if it was a’ la mode (my personal favorite). But you can decide to NOT eat the cake and ice cream right now, today, this minute.

    Let’s summarize. To get your money problems under control focus right away on outgo and reduce it. To get your weight under control, focus right away on intake. Now that is not hard to understand, but is very hard to do for so many of us.

    Want a tip? Here it is and it is powerful. ROLL THE VIDEO. Humans have the unique ability to envision the future. Maturity can be defined as seeing short term and immediate choices within the context of longer-term effect. Eat the cake and ice cream and enjoy it for the next 15 minutes, then feel bad about that choice and your weight for the next several days. So, instead of focusing on the joy of the next 15 minutes, ROLL THE VIDEO in your mind of your life for the next several days if you drop a few pounds. How will that feel every time you notice it, which is, of course, several times per hour. Envision that positive joy and improved self-image. OR instead of buying that new sweater, go to your closet and straighten it out so you can fully enjoy the wonderful wardrobe choices you already own but have overlooked. Focus on the bigger, longer term issue. Reject the short term “pop” of the impulse for it comes at great cost.

    This video and movie has a very happy ending. You are the writer, producer, and cast. It is your benefit to claim and here is the good news. You can do it.

    • Share/Bookmark

    Tags: , ,

  • Worry…our new national pass time? Worry is defined as imagining a possible future negative event in such vivid detail we experience the bad feelings today. Not much to like about it when viewed that way, huh? So what do we do? Recognize some negatives will happen and create a contingency plan to the appropriate level, then relax and live well today, knowing you have done what is reasonable. We can learn from our elders too.

    Sam Clemens/Mark Twain quote: “I have been through some terrible things in my life, some of which actually happened.”

    • Share/Bookmark
    • Share/Bookmark
  • February 5th, 2010

    We are now one month into 2010. How are the New Year Resolutions going? Each year there is much rhetoric about improvements we might like to see in our lives by steadfastly resolving to make changes, but studies show that few actually make firm resolutions and fewer still actually create progress by acting on their resolutions. Actual change can be difficult for several reasons, but the good news is that we can redirect our choices at any time, January 1st or any other day of the year. So, reflection on the process of change should be a continuous process.

    How do we thoughtfully choose our best course, on what do we focus our attention, how do we determine the allocation of our time and our money, how do we respond to things that happen to us? Mastering these “how-to’s” will provide a huge payoff and it is not that complex. There are fundamentally two choices, head or heart. Do we feel or do we think our way through life…facts or passion? Answer: Both are important. In making life choices large and small, you ignore either one at your peril. To use a car analogy, the head is the steering wheel and the heart is the engine. Both are required for every trip.

    In this article let’s focus on the intellect and its main role in decision-making. It is based on facts, as we can best determine them. Of course, to fuzzy up the issue, one of the “fact sets” we can crank into this process is how we feel in our hearts about certain aspects of the issue. But heart-based feelings will receive comment in a future article, soon.

    The brain is the seat of analysis and decision-making. I will offer three ideas for maintaining good brain function required for clear thinking. They are exercise; rest and restoration; and good order.

    Exercise (nutrition and fuel): The brain is living tissue that thrives on nourishment, oxygen, various enzymes, and the products of our endocrine system. Anything we can do to promote our general health and physical well being will especially benefit the brain as it is one of the most genetically active sites in the body. How do we address these needs with one move? That is the answer, i.e., MOVE. Exercise, particularly aerobic exercise, is the single most effective way to promote brain health. It promotes circulation that bathes the brain in oxygen and nutrients, all of its other needs and purges waste. Of course, exercise offers many other benefits as well. So many, in fact, we cannot deny that failure to regularly exercise is a form of self-abuse. None of us will deny the point, so let’s just state that regular physical exercise improves brain health and, therefore, offers a direct, positive effect on decision-making.

    But there is another form of exercise that is beneficial too. Like most human capacities, our ability to reason is either used or it atrophies. We strengthen our intellectual prowess by challenging our brains. Almost anything that requires mental focus is of benefit, but it is particularly beneficial to learn new information and develop new skills. Reading good literature, enjoying the arts, creative endeavors, learning a new skill like a language or to play a musical instrument…even doing crossword puzzles are all good examples of beneficial brain activity. “Just do it” and you will see.

    In both areas, physical and mental exercise, a modest effort can yield great rewards that encourage you to do even more for greater benefit.

    Rest and restoration: Another brain builder is good sleep. We are a nation of sleep-deprived people. In short, our ability to think is profoundly affected by our sleep habits. We can surge for a very few days and perform reasonably well on limited rest, but not for the long term. This aspect of guarding our ability to think clearly deserves attention and good choices in our lifestyles. Career and relationship-wise you give yourself a real advantage getting the right amount of rest consistently. You will be about the only one you know doing it, if so, and your capacity to think and be patient will be much greater than those around you. Much has been written on sleep and its long-term effect on a variety of our functions. The matter deserves study, being treated seriously, and action to modify our ways if we are not getting proper rest most of the time.

    Good order: The third idea to consider, with respect to clear thinking is the issue of clutter. We live in a time with many distractions and dozens of subjects competing for our attention at all waking moments. While humans have the ability to process many subjects almost simultaneously, there is a limit. Most of us live at or past our practical limits much of time. The result is that many thoughts, tasks, and projects are done only partially and are then left to sit while we turn to perhaps less important issues, but which have a shorter deadline.

    The net result is clutter in its various forms: mental clutter crowding the aisles of our minds, physical clutter stacking up where we live and work, and digital clutter on our computers, palm devices, and even our media recorders. This clutter creates a drag on our mental processes that becomes increasingly hard to lug through the day. Getting on top of these three forms of clutter increases our ability to think. This allows us to separate the really important from the less important.

    My experience tells me reducing clutter is about two things and they revolve around one word. That word is retrieval. When you get ready to take the next step and again use the item, device, information, tool, idea, or perspective you are now “putting away,” how can you best retrieve it? So the two steps are: 1. Have a system that makes sense to you for having a place for things. 2. Then take the very few seconds to put things in there proper place when you are “storing” them. Do this and life will be much more efficient and you will find clear thinking is much easier.

    Finally: These are simple concepts that can be hard to do, but deciding to make New Year’s Resolutions (or any other form of commitment to improve) in any aspect of our lives is the beginning of progress. The good news is that as humans with free will, we have the right to choose. With that comes the responsibility to ourselves and those who love us to use our intellect well. The matter is worth some analysis, thought and good choice. A related article on steps that lead to better decision-making can be found here:

    • Share/Bookmark

    Tags: , , ,

  • The holidays at year-end present several out-of-the-ordinary challenges in the financial area. The question is not limited to the important issue of how much to spend on which gifts for various recipients; there is also the opportunity to spend extra on travel, dining out, entertaining, decorating, gift wrap, and special attire with accessories……just to name a few. Couple these challenges with the hectic pace, elevated emotions, and easy credit and we can find ourselves over using those “plastic passports to poverty”………. credit cards. The impulse can be strong and the damage long lasting.

    The answer to this issue during the holiday season is not different from the answer that leads to success in managing our money the rest of the year. A little planning and tracking goes a long way. We know the holidays are coming and when they will arrive. We can also remember last year and years before that, so resolving to address these challenges rationally does not require the application of astrophysics level mental gymnastics. Build a little reserve for these needs (ok, too late this year….but just right to decide to begin in January for next year). And don’t think of this process as “budgeting”, which has a scarcity, denial flavor to it. Words are important to the way we view things, especially the words we use in our thoguhts. Think of this process as managing your holiday spending plan.

    It has been said of Americans that we spend money we don’t have, to buy things we don’t need, to impress people we don’t like. Any part of that is negative, but taken together the idea is particularly troublesome. Does it apply with special power in the holidays? To some degree yes, for most of us. Gift giving should be about high regard, thoughtfulness, generosity, and relationship. The gifts that mean the most are the ones that show the most thoughtfulness, not the ones that are the most expensive, per se. A great expedient to this process of selecting the right gift is to pay attention and then to keep good records. Put your gifts, incoming and outgoing, on a spreadsheet by year and keep track. Throughout the year pay attention to the likes and dislikes of your friends and relatives. As the ideas come, keep notes on the spreadsheet. This will greatly simplify the process and improve its outcome, especially when combined with online shopping or combining purchases with other errands, spreading the expense over time and increasing the chance to buy on sale.

    Better yet, gifts that we generate from a skill, know-how or uncommon resource can be especially meaningful to recipients close to us. Do you cook, write, make jewelry, hand tie fishing lures, have a collection that you could reduce, have a skill that you can coach, have access to a vacation property or possess musical talent, for example? We all have knowledge, abilities, and things that others would value. The spreadsheet idea helps deploy that thinking improving the value and effect of the gift and reducing the cost.

    As the holidays unfold it is important to keep track of spending, especially credit spending so we know what is going to happen when the bills show up in January. Keep a log in a central place. Such ongoing positional awareness will help with the decision making in the heat of the holiday spending battle.
    Notice the suggestion that keeping records in various ways is a common theme. You might say it is too late to do much planning this year? Maybe so, but it is not too late to capture this year’s experience setting the place to improve the future in this important area.

    • Share/Bookmark

    Tags: , , , , , ,

  • Managing each day and week so that we are more productive and effective while a little less crazy and stressed is a great challenge for most of us. That challenge seems to be multiplied as the calendar pages turn in December. Maintaining balance between your well-being physically, intellectually, emotionally, financially, and spiritually seems almost impossible as we prepare and live through the Holiday Season and into the New Year. Therefore, I will offer you six articles with food for thought… one on each of the five areas and the last article will be on leveraging the New Year to max advantage.

    Physical Well-Being During the Holidays

     
    The Holiday Season offers a lethal combination of challenges to our commitment and desire to maintain our physical well-being. Too much and the wrong kind of food and drink combined with less exercise and more stress can take its toll on us. And part of the toll is that we have less energy and focus to deal with the challenges that are typically greater in the other areas of life at the same time. This can set up a deterioration in not just the physical area, but others as well which multiplies the set back to our overall well-being and effectiveness. Those costs can be huge. What are some tips to better manage these challenges?

    If there is benefit to maintaining balance by paying attention to health in the physical, emotional, intellectual, financial and spiritual areas over time, the techniques and strategies that work in normal times can work in more intense times if we intensify our determination to use them. However, the temptation is to respond to the unusual and hectic pace as the year-end approaches by letting the distractions push us into the reaction mode and lose grip of our days. When that happens, one of the first places we cut is our exercise program. Big mistake. Exercise and stretching are great stress reducers and help burn off extra calories that seem to also accompany the holidays. Exercise not only burns off calories during the time of activity, it also increases our metabolism so that we burn more fuel, like eggnog and iced cookies, at all hours.

    In the area of nutrition, it is much more effective to control the input than to try to offset excess with more output. It is part of the joy of the season to partake in some of the treats that accompany it, but the key is to plan and moderate. Eat a healthy snack before the party. Consider your mind set and mood before facing the buffet and decide in advance your limit, like only one plate, for instance. If you blow it, see that as an event which has ended, not a permanent change in lifestyle and personal values.
    Sleep is always important because it restores us in every way. But the quality and quantity of sleep can suffer around the holidays for all the reasons we understand. The benefits of planning our days ahead, in writing, so we identify all the activities we need to address and more efficiently combine trips are several and helping us maintain our confidence and avoid frantic/panic feelings is chief among them. Such feelings interfere with sleep. Bad sleep contributes to lack of confident feelings and panic. Don’t go there. Plan!

    Gift giving is a part of most holiday traditions. If you have not made your physical well-being a high enough priority, if you don’t like the way you look or the way you feel, a great gift to yourself, the ones you love and your own future is to make a small beginning to exercise regularly and pay better attention to your nutrition. Sometimes the best defense is a good offense. You might decide to get off tobacco, moderate other habits, stop risky behavior, and begin more healthy habits right here in the middle of the holiday madness. What better time?

    • Share/Bookmark

    Tags: , , , , , , , , , , ,

  • On business in New York with a video camera and sound man in tow for another project, I was able to satisfy a life long curiosity. I have long wondered if I could do “man on the street interviews.”

    Focusing on topics related to time use, effectiveness, planning and personal growth, I sought comment on the following topics/questions:

    1. Are you busy? Effective? Satisfied?
    2. Five years from now, what needs to be different for you to feel you are progressing?
    3. What is your greatest concern about the future?
    4. Do you have a mentor in your life?
    5. Is “balance” important to you? What is “balance”?

    Well, take a look and let me know what you think.

    • Share/Bookmark
  • In college, the Air Force and 30 years in the corporate world I have written and edited many different types of papers from very short to very long and for every kind of purpose and audience one can imagine, but none of that experience prepared me for a work of fiction like the business parable There’s More to Life than the Corner Office released a month ago by McGraw Hill Professional. Unlike writing to persuade or provide factual information, fiction is about providing a framework, but allowing the reader to fill in many details. We each have life experience, attitudes, beliefs and pride. We want to “get it” and when reading fiction, we most enjoy the writers who respect us as readers and don’t spoon feed us too much.

    For a business man with long experience fully supporting every major point in his writing, this was a tough lesson for me to learn. The co-author on this project, Tammy Kling, was very persistent in her correction of me because I was very quick to revert to the style of providing as complete a picture in living color with as many details as possible. “Show, don’t tell,” I heard Tammy say many, many times.

    Another requirement is writing in the character’s own voice as the dialogue and banter switches back and forth. You really have to get fully inside the character’s personality and break out of your own limitations to find that voice. If you do, the character becomes real and if there is change in the depth of the people in the story as in the case of young Patrick Mitchell in this book, you can show clearly that he is making personal progress without saying it.

    It is great to have the freedom to express your ideas through a fictional work, but it was much tougher skill to acquire than I imagined. As it turns out, you actually write each chapter about 7 times on average. But in the end, it is worth it if the readers find the work enjoyable and beneficial. We are getting enough feedback to see that goal was reached for most who have read the book.

    • Share/Bookmark

    Tags: , ,

  • Lamar Smith – Getting Your Money’s Worth from Lamar Smith on Vimeo.

    • Share/Bookmark
  • Here’s a clip of Anna Gilligan, from the Fox Business show Fast Track, speaking to Lamar about what it means to get to the corner office.

    Lamar Smith on Fast Track from Lamar Smith on Vimeo.

    • Share/Bookmark

    Tags: , , , ,

« Previous Entries   

Positions by Seo-Watcher