My Declaration of Self Esteem

I am me.

I am unique. There's not another human being in the whole world like me -- I have my very own fingerprints and I have my very own thoughts. I was not stamped out of a mold like a Coca-Cola top to be the duplicate of another.

I own all of me -- my body, and I can do with it what I choose; my mind, and all of its thoughts and ideas; my feelings, whether joyful or painful.

I own my ideals, my dreams, my hopes, my fantasies, my fears.

I reserve the right to think and feel differently from others and will grant to others their right to thoughts and feelings not identical with my own.

I own all my triumphs and successes. I own also all my failures and mistakes. I am the cause of what I do and am responsible for my own behavior. I will permit myself to be imperfect. When I make mistakes or fail, I will know that I am not the failure -- I am still O.K. -- and I will discard some parts of me that were unfitting and will try new ways.

I will laugh freely and loudly at myself -- a healthy self-affirmation.

I will have fun living inside my skin.

I will remember that the door to everybody's life needs this sigh:

Honor Thyself
I have value and worth.
I am me, and I am O.K.

Think you can or think you can’t, either way you will be right

Henry Ford

Don't Be Afraid To Fail

You've failed many times, although you may not remember.
You fell down the first time you tried to walk.
You almost drowned the first time you tried to swim, didn't you?
Did you hit the ball the first time you swung a bat?
Heavy hitters, the ones who hit the most home runs, also strike out a lot.

R.H. Macy failed seven times before his store in New York caught on.

English novelist John Creasey got 753 rejection slips before he published 564 books.

Babe Ruth struck out 1,330 times, but he also hit 714 home runs.

Don't worry about failure. Worry about the chances you miss when you don't even try.

The only people who never fail are those who never try

Ilka Chase

You and Yourself

It is rewarding to find someone whom you like, but it is essential to like yourself.

It is quickening to recognize someone as a good and decent human being, but it is indispensable to view yourself as acceptable.

It is a delight to discover people who are worthy of respect, admiration, and love, but it is vital to believe yourself deserving of these things.

For you cannot live in someone else. You cannot find yourself in someone else. You cannot be given a life by someone else. Of all the people you will know in a lifetime, you are the only one you will never leave nor lose.

To the question of your life, you are the only answer. To the problems of your life, you are the only solution.

The moon could not go on shining if it paid any attention to the little dogs that bark at it.

Anonymous

A Nike Commercial

Sooner or later, you start taking yourself seriously.
You know when you need a break.
You know when you need a rest.
You know what to get worked up about and what to get rid of.
And you know when it's time to take care of yourself, for yourself.
To do something that makes you stronger, faster, more complete.
Because you know it's never too late to have a life.
And never too late to change one.

Just Do It !

(This is an actual NIKE advertisement found in a magazine)

Why Worry

40% of the things I worry about will never happen, for anxiety is the result of a tired mind.

30% Concern old decisions which cannot be altered.

12% center in criticisms, mostly untrue, made by people who feel inferior.

10% is related to my health which worsens while I worry.

8% is legitimate, showing that life does have real problems which may be met head on when I have eliminated senseless worries.

Company Financial management from the business is characterized, in many different instances, by the necessity to confront a
somewhat different set of problems and opportunities than those confronted by a massive corporation. One immediate and obvious
difference is that a majority of smaller firms do not normally have the opportunity to publicly sell issues of stocks or bonds so
as to raise funds. The owner-manager of a smaller company must rely primarily on trade credit, bank financing, lease financing,
and personal equity to fund the business. One, hence faces a much more severely restricted pair of financing alternatives than
those confronted with the financial vice president or treasurer of a large corporation.

On the other Hand, when small business financial management is concern, many financial problems facing the small firm are very
similar to those of larger businesses. By way of instance, the analysis required for a long-term investment choice like the
purchase of heavy machinery or the test of lease-buy options, is fundamentally the same whatever the size of the company. Once the
choice is made, the funding alternatives available to the business might be radically different, however, the decision procedure
will be generally comparable.

One area of Particular concern for the smaller business owner lies in the successful management of working capital. Net working
capital is defined as the difference between current assets and current liabilities and is often considered as the"circulating
capital" of the business. Deficiency of management in this vital area is a primary source of business failure in both small and
massive firms.

The Business Enterprise Manager must continually be alert to changes in working capital accounts, the cause of those changes and
the implications of those changes for the financial health of the corporation. One convenient and effective method to highlight
the crucial managerial demands in this area would be to see working capital in terms of its important components:

Cash and Equivalents. This most liquid type of present assets, cash and cash equivalents (usually marketable securities or
short-term certificate of deposit) requires constant supervision. A well planned and maintained money budgeting system is
essential to answer key questions like: Why is your money level adequate to satisfy current expenses as they come due? What are
the time connections between cash inflows and outflows? When will summit cash needs happen? What's going to be the magnitude of
bank borrowing needed to fulfill some cash shortfalls? So when will this borrowing be necessary and if may repayment be
anticipated? Accounts Receivable. Virtually all companies are required to extend credit to their clients. Crucial issues in this
area include: Is the number of accounts receivable fair in relation to earnings? On the average, how rapidly are accounts
receivable has been accumulated? Which customers are"slow payers?" What action ought to be taken to rate sets where required?
Inventories.Inventories often constitute 50 percent or more of a firm's current assets and therefore, are worthy of close
scrutiny. Key questions that must be considered within this area include: Is your level of inventory reasonable in relation to
sales and the working features of the small business? How quickly is stock turned over compared to other businesses in precisely
the same industry? Isn't any funds invested in dead or slow moving inventory? Are earnings being dropped as a result of inadequate
inventory levels? If appropriate, what action ought to be taken to increase or reduce inventory?

Accounts Payable and Trade Notes Payable. In a business, trade credit frequently provides a major source of funding for the firm.
Key issues to investigate in this class include: Is the sum of money owed to providers reasonable concerning purchases? Is the
firm's payment policy such that it will improve or detract from the company's credit score? If accessible, are discounts being
taken? What are the timing relationships involving payments on accounts payable and set on accounts receivable?Notes Payable. Notes payable to banks or other lenders are a second major source of funding for the company. Important questions
in this course include: what's the quantity of bank borrowing employed? Is this debt amount reasonable in regard to the equity
financing of the firm? When will interest and principal payments fall due? Will funds be available to meet those obligations on
time?

Accrued Expenses and Taxes Payable. Accrued taxes and expenses payable represent obligations of the firm as of the date of balance
sheet preparation. Accrued expenses represent these things as wages payable, interest payable on bank notes, insurance premiums
payable, and related items. Of primary concern in this area, especially with respect to taxes payable, is the magnitude, timing,
and availability of funds for payment. Careful planning is required to insure that these duties are met on time.

As a final Note, it's very important to recognize that although the operating capital accounts previously are listed individually,
they need to also be viewed in total and from the point of view of the connection to one another: what's the overall trend in net
working capital? Is this a healthy trend? Which individual balances are responsible for this trend? How does the company's working
capital position relate to similar sized firms in the industry? What could be done to correct the trend, if needed?

Of course, the Questions posed are a lot easier to ask than to answer and there are few"general" replies to the issues raised. The
manuals that follow provide suggestions, techniques, and instructions for successful management that, when combined with the
experience of the person owner-manager and the distinctive requirements of the particular sector, might be expected to enhance
one's capacity to manage efficiently the fiscal resources of a business enterprise.

There's one Simple reason to understand and observe business financial planning in your business - to avoid failure. Eight of ten
new companies fail primarily because of the lack of good financial planning.

Company Financial planning affects how and on what conditions you'll have the ability to pull the funding required to establish,
preserve, and expand your business.

Financial Planning determines the raw materials you'll be able to afford to purchase, the products you'll be able to produce, and
whether you will have the ability to market them efficiently. It impacts the physical and human tools you will be able to acquire
to operate your business. It will be a major determinant of whether or not you will have the ability to produce your hard work
rewarding.

This segment Provides an overview of the vital components of financial management and planning. Used sensibly, it is going to
produce the reader the small business owner/manager - comfortable enough with all the principles to have a fighting chance of
success in today's highly competitive business environment.

A clearly Conceived, well documented fiscal plan, establishing goals and including the Use of Pro Forma Statements and Budgets to
ensure financial control, will Demonstrate not only that you understand exactly what you want to do, but that you understand how
To achieve it. This demonstration Is Vital to attract the funds Required by your company from creditors and investors.

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