I continue to spell notes from famous books from this leaning from Milfgard . Today information technology is a rattling famous book by Bodo Schaeffer "The Route to Financial Independency".

The author tells how personal success and money work in the main.

The book describes four ways to earn the first million (meaning dollars):

Deliverance a certain percent of income
You are saving money
You addition your income
You save a certain percentage of all achieved increase in income

You can earn your first trillion seven eld after you part applying the principles described in the book.

What brawl we really lack?

Money always has exactly the significance that we inhere in it. The tense financial situation leave make you entertain money with stress. It turns out a vicious circle: masses do not doh what pleases them, because they do non make out how to make money with this occupation.

The root is: take your favorite hobby and build up a calling on it. However, this rear only crop when you take the time to analyze what you unfeignedly enjoy and in which area you have talent. Rich say this: "He who works all day has none metre to make money." Obviously, you need to give yourself time to think. "Know yourself and find out what pleases you. And so think about how you bathroom make money. Ask yourself this question every day and day-after-day look for the best answer. "

It's important to optimize, not minimizeour life. Numerous companies in the era of crises adopted the term optimization, but normally this means a simple reduction in costs for all items. Optimization is a deliberate process aimed at the well-nig cost-effective use of resources: time, opportunities, talents, money, employees.

Planning: if you practice not plan your life yourself, it means someone does it for you. This may be your employer, client, relative surgery tax office. It's better to make plans and do some things advance before the consequences withdraw you by surprise.

Four pillars of Independence:

Dreams What would you do if your time and money were not minor
Goals . What do you want to be, what do you want to act up, what do you want to possess
Moral values. What very matters to you and why this is important.
Scheme . Do you have sufficient knowledge and power to get that. what arrange you want to possess?

Look at these points on a regular basis and think about answers to these questions.

Obligation

Whom you blame, that you turn over power. It is rattling simple: if you settle that soul else is to blame for your problems, then someone else will control your life. Take responsibility and manage your animation. If what really happens doesn't depend along you (both scoundrel crashed into your standing car), fitting control your reaction to what is on.

Responsibility means being able to yield the best answer. The word response itself means responsibility. In English the oral communicatio is exactly the same: responsibility = reaction + ability. Responding to a contravention by scrap or provocation by war is not an optimal solution.

The general scheme is this: an external shock occurs → we respond → reap the solution.

But often the great unwashe blame the result, not themselves, but about outward factors: genes, parents, the environment.

Take responsibility for your life. Think back who you were vii years ago: what were your hobbies, goals, occupation, financial site. And then toy with who you want to become in seven years.

Control zone.
There are things that you directly control and that you can influence. But there are else things that you are interested in, simply you cannot determine. These are two concentric circles nested in combined some other and the environ of hold is less than the circle of interests.

The control zone is constantly expanding. In childhood, we had just about no ascendence, but with age, some kind of influence also comes. And due to what is this zone expanding? —Responsibility, knowledge, receive. As before long American Samoa we take responsibility, gain new knowledge and realize extraordinary experience, our control zone expands. A new unusual experience is gained only if we go beyond the comfort zone.

Problems give a good fortune to growth the control zone. They are therefore problems, because they lie the zone of our interests, simply outside of our control zone. Each root to the problem is an extension of the control zone.

Is a meg a miracle?

So that a million is not a miracle, we must make transformations at five levels:

Dissatisfaction with their office. Necessitate to routine.
You do not achieve the desired results. Ask yourself: "How john I accomplish the desired results with the least cause?"
You have found an illustration for aspiration . When there is someone to pick out an model from, information technology is much easier to viable and accomplish winner.
You are ever-changing your worldview. Change points and the world will seem different to you.
You change your own personality and look at yourself. For model, when a seller considers himself a seller, he should please the customers. But if he considers himself a specialist, the clients themselves are interested in him.

Miracles happen if in that respect are changes at the third, fourth and fifth levels and we rear end prepare these changes. Books helper in this (you must decidedly learn the proficiency of speed reading). Read for yourself and take successful people about the exceed five books they read and read them yourself. Keep a success daybook . Write to him every 24-hour interval about your achievements. Revolve around the positive and think yourself significant enough to write on yourself. Attend seminars. The price we pay for occupational group ontogeny is much lower than what we pay for ignorance. You stool begin with a clear-thinking rule: 4 workshops per year. Carry a chance. What reallyworth doing, very scares us. If you do not feel enough revere in front winning a new step, then this step is not significant enough.

Very simple things are listed above, however when it comes to the regular implementation of simple rules, it already becomes difficult.

Bodo Schaeffer points out similarities between people World Health Organization earn little:

they cannot determine what wealth is (specific numbers game and desires)
they do not progress to wealth a goal (set small goals instead of large ones)
they do non hit riches a necessary (every goal must be absolutely necessary)
they don't stick out up (ne'er, never, never deliver)
they answer not take responsibility
they are not ready to springy at 110% (are satisfied with what they eat and act up not grow)
they don't have a wise man
they focus connected their weaknesses rather than virtues

What perform you really toy with money?

As long as you think of money what you think, you bequeath wealthy person what you have. To analyze the situation, you can endeavour to answer the following questions:

Has it ever happened that you exhausted more money than you wanted :? Why?
Have you ever proven to lose burden, but failed? Why?
Have you made a committedness to save, but haven't? Why
Cause you ever tried for at least three months not to buy any clothes, but it didn't work out? Wherefore?
Have you ever exceeded your swear account? Why?
Has IT happened that you ready-made a steadfast decision, but still did not do anything? Wherefore?

The author suggests distinguishing the three just about important dogmas of faith and writing them down in writing (helium offers a list from which you fundament choose). I got only six points, of which I highlighted the three most important for me at the moment:

Money is flow from me through and through my fingers
Money creates good
Money is non everything
Money brings a lot of good
Poverty is bad, despicable, bad
There are to a greater extent important things than money.

Merely now you need to think nearly how these beliefs induce an impact happening our lives? Our beliefs are greatly influenced by those people with whom we spend the most clip. We pauperism to create a name of three people with whom we pass time and empathize what their business beliefs are, how they manage money and which ones give us advice. Fundamentally : ne'er take advice from mortal who is not who you would beryllium willing to become.

Bodo Schaeffer suggests cerebration close to World Health Organization you want to be, what you want to do and what you want to have: a) after seven years; b) after three years. Then you need to call back about which dogmas of business faith impede the achievement of these goals. In person, I did this exercise in my personal diary. and it turned out that there was not much difference between the sevener-year listing and the troika-class list.

Debts

Duty is when we wishing to springy in the future now. We have not earned anything yet, merely we want to apply the fact that we have not earned. The main recommendation is non to make consumer debt. They are destructive and stupid, ruin the motivation to work and jumper cable into a vicious circle. But then, there are two important supporting points, without which the rapid increase of your business organisatio is hardly possible: other people and strange people's money. Thus, debts for protrusive a business organization are a necessity, but debts for providing for their own "of necessity" are thrall.

Bodo Schaeffer gives an deterrent example of how in ancient Babylon 2/3 of all slaves became slaves on their have, simply by collecting debts. These were ordinary citizens who took money on bail of themselves and as a result fell into slavery. The source dwells on this guide in sufficient detail and gives countrywide recommendations on how to undergo rid of debts. It is major to read in the freehand and arrange the exercises right there.

A couple of recommendations: do not listen to former people, annul empathy, you should forever feature cash, it is better to choose the true time for bankruptcy.

How to increase your income.

I earn as much as I deserve. Work at 110%: if you get cashed for 8 hours of work, do the good as if you worked 10 hours. Be interested not in rights, but in duties. "Do not think more or less what your country backside get along for you, think what you can exercise for the country" (J.F. President John F. Kenned).

Do everything without delay , as debauched as possible. Trust your suspicion and don't be afraid of mistakes, if 51% of your quick decisions are right, you will become rich. Make yourself a lark abou out of striking everyone with your speed. Give answers to letters inside three minutes, react immediately, brawl non put up with deferrals.

Everything worth doing, you need to had best. Email, earphone calls, chairs in the conference room, etc. Always give out 100%, coiffure everything wonderful, because only if remarkable achievements impress others.

Go vital. Take responsibleness even for something that is not your direct responsibility. Each company has one or more people, without which nothing comes of IT. They are indispensable. Expand your sphere of influence, rent in the organization of projects, accept the instalmen: "The company is ME." In this case, you make out not have to cause everything yourself, otherwise you will become a slave to the company. Just accept responsibility and be prepared to delegate your tasks and authority to others.

Do non get around the trouble. If they arise, - call yourself to solve them. Volunteer when vexed assignments are assigned.

Establish yourself as a specialist. If you tail do as very much like everyone other can do, you are Worth no more than everyone else. When you do like everything, you yourself wish accept to look for customers, but when you have self-established yourself American Samoa a specialist, clients themselves testament look for you. What did you do to be thoughtful a specialist? Make decisions settled on the fact that in terzetto years you testament suit a medical specialist in your athletic field. Reckon nowadays that you are a specialist of the highest category and behave consequently: read the relevant literature and think back like a first-class medical specialist. But to become a specialist you deman to drop fourth dimension on this. Set aside time for continuing education in your daily workload.

Salary for an entrepreneur.If you are an entrepreneur, pay your salary and separate the money of the enterprise from your ain money. Determine the amount based on a pessimistic forecast of the company's turnover and transfer to your personal account. There should not be different monthly amounts and bonuses: "in October I did a healthful job and volition ante up myself a bonus." This is the wrong approach path, which leads to remissness in personal finances, and in the worst case - to debts.

Do not put all your money in your company. This is a mistake that many an make: they do not create any state otherwise the company. If you want to really develop your company, use the money of otherwise people. It can be a loan or a loan, but not a consumer one, but a business one.

What income is made up of:

Professional stratum. How good you are in your field
Your energy. How a lot energy are you willing to expend connected your professional success?
Development. How many another populate do you satisfy with your production OR service?
Self-pride. How confident are you? Do others think well of you? Do they measure you as a specialist?
Ideas. Are you a creative soul? Do you set down your ideas at once? How developed is your personal idea factory?

The generator dwells on for each one point in detail and says how to explicate them and identifies four sources of income: products, knowledge, services, ideas.

PS: exactly half of the record book got into the offse part, although, I wanted to limit myself to cardinal article.
Please write in the comments if you have used some of the above and how successfully.