Watch Your Thoughts

Watch Your Thoughts.
They Become Words.

Watch your Words.
They Become Actions.

Watch Your Actions.
They Become Habits.

Watch Your Habits.
They Become Character.

Watch Your Character.
For It Becomes Your Destiny.

The human race is divided into two classes - those who go ahead and do something, and those who sit still and inquire, "Why wasn’t it done the other way?"

Oliver Wendell Holmes, Jr.

Letting Go

There's nothing to fear --- you're as good as the best,
As strong as the mightiest, too.
You can win in every battle or test;
For there's no one just like you.
There's only one you in the world today;
So nobody else, you see,
Can do your work in as fine a way:
You're the only you there'll be !

So face the world, and all life is yours
To conquer and love and live:
And you'll find the happiness that endures
In just the measure you give;
There's nothing too good for you to possess,
Nor heights where you cannot go:
Your power is more than belief or guess ---
It is something you have to know.

There is nothing to fear --- you can and you will.
For you are the invincible you.
Set your foot on the highest hill ---
There's nothing you cannot do.

The Twelve Rewards in Life

·       Hope instead of desperation

·       Faith instead of despair

·       Courage instead of fear

·       Peace of mind instead of confusion

·       Self-respect instead of self- contempt

·       Self-confidence instead of helplessness

·       The respect of others instead of their pity and contempt

·       A clean conscience instead of a sense of guilt

·       Real friendship instead of loneliness

·       A clean pattern of life instead of a purposeless existence

·       The love and understanding of our families instead of their doubts and fears

·       The freedom of a happy life instead of the bondage of an alcoholic obsession

The greatest failure is the failure to try.

William A. Ward

Ten Rules for the Good Life

Never put off till tomorrow what you can do today.

Never trouble another for what you can do yourself.

Never spend your money before you have it.

Never buy what you do not want because it is cheap; it will never be dear to you.

Pride costs us more than hunger, thirst, and cold.

Never repent of having eaten too little.

Nothing is troublesome that we do willingly.

Don't let the evils which have never happened cost you pain.

Always take things by their smooth handle.

When angry, count to ten before you speak; if very angry, count to one hundred.

(This is a list of "Thomas Jefferson's ten rules for the good life")

How to Drive Yourself Crazy

Articles and books on a variety of self-help topics are widely available. There are suggestions on how to cope, reduce stress and, in general, make your life better and more satisfying. However, some people prefer to make themselves miserable. If you are a person who hasn't quite got the hang of how to do this, here are some tips on how to make yourself really crazy.

1. Save your major worries until about midnight, then start heavy thinking. Suggested topics include your age, losing your job, the mistake you made at work last week which they haven't discovered yet, that suspicious wart you've had for five years or radon in your basement. You can work up a good panic by 1:00 a.m.

2. Keep an inventory of your faults. Ignore strengths. Focus only on your bad points. Try to select friends who will remind you of how awful you are. If you don't have friends like this, you probably have some relative who can be counted on to point out your weaknesses.

3. Set unreasonable goals. No matter how much money you earn, remember there are others doing better. Try to name three of them, preferably younger (and better looking) than you are. Think how others could do a better job than you do.

4. When your children make mistakes, don't accept it as part of growing up. View each situation as the first sign of impending moral decay, delinquency and a wasted life. Imagine your offspring as shiftless bums at age 30, scrounging off you.

5. Put off everything until the last minute. In this way, you can create a sense of frenzy and chronic stress no matter how much time you had in the first place.

6. Aid and abet the creation of stress. Sleep as little as possible. Eat junk food. Drink a lot of coffee. Never exercise if you can help it.

7. Never let others know how you feel or what you want. You shouldn't have to tell them: they should be able to read your mind. If you assume this, you stand a good chance of feeling really deprive d.

8. Never trust anyone. Struggle with problems alone. If you feel the urge to confide in someone who seems to care, remind yourself that people are basically no good and are out only for themselves.

9. Never take a vacation break. It's a luxury you can't afford, especially if you're working up to a really good state of exhaustion.

10. Above all, never seek help. No matter how serious the problem, convince yourself that asking for help is a sign of weakness and that you can tough it out alone.

If you follow this program, you have a good chance of feeling really rotten in no time at all. Good Luck.

TBusiness Financial management in the small firm is distinguished, in many distinct cases, by the need to confront a somewhat
different set of problems and opportunities than those confronted by a large corporation. 1 immediate and obvious difference is
that a vast majority of smaller firms do not normally have the chance to publicly sell issues of stocks or bonds so as to raise
capital. The owner-manager of a smaller firm must rely primarily on trade credit, bank financing, lease financing, and private
equity to finance the company. One, therefore faces a far more severely restricted set of financing alternatives than those
confronted with the financial vice president or treasurer of a massive corporation.

On another Hand, if small business financial management is concern, many fiscal issues facing the small firm are extremely like
those of larger corporations. By way of example, the analysis required for a long-term investment decision like the purchase of
heavy machinery or the evaluation of lease-buy options, is fundamentally the same whatever the size of their company. When the
decision is made, the funding choices available to the business might be radically different, however, the decision process will
be generally comparable.

1 area of Particular concern for the smaller business owner lies in the effective management of working capital. Net working
capital is defined as the difference between current assets and current liabilities and is frequently thought of as
the"circulating capital" of the business. Deficiency of control in this vital area is a key source of business failure in both
small and large businesses.

The business Manager must always be alert to changes in working capital accounts, the cause of these changes and the consequences
of those changes for the financial health of the company. One convenient and effective method to underline the crucial managerial
demands in this area would be to see working capital in terms of its major components:

Cash and Equivalents. This most liquid form of current assets, cash and cash equivalents (usually marketable securities or
short-term certification of deposit) requires constant oversight. A well planned and maintained money budgeting system is
essential to answer key questions such as: Is the cash level sufficient to meet current expenses as they come due? What are the
time relationships between cash inflows and outflows? When will summit cash needs happen? What will be the magnitude of bank
borrowing required to fulfill some cash shortfalls? So when will this borrowing be required and when may repayment be anticipated?
Accounts Receivable. Virtually all companies must extend credit to their customers. Key issues in this area include: Is the amount
of accounts receivable reasonable in relation to earnings? On the average, how quickly are accounts receivable has been
accumulated? Which clients are"slow payers?" What action should be taken to speed collections where needed?Inventories.Inventories frequently make up 50 percent or more of a firm's current assets and therefore, are worthy of close
scrutiny. Key questions which must be considered within this area include: Why is the level of stock reasonable in relation to
sales and the working features of the small business? How quickly is stock turned over in relation to other companies in the exact
same industry? Is any capital invested in dead or slow moving stock? Are sales being dropped as a result of inadequate inventory
levels? When appropriate, what action should be taken to increase or decrease inventory?

Accounts Payable and Trade Notes Payable. In a business, trade credit often provides a significant source of financing for the
company. Key issues to research in this class include: Is the sum of money owed to providers reasonable in relation to purchases?
Is the company's payment policy such that it will enhance or detract from the firm's credit rating? If available, are reductions
being taken? What will be the timing relationships between payments on accounts payable and set accounts receivable?Notes Payable. Notes payable to banks or other creditors are another major source of financing for the company. Significant
questions in this class include: what's the quantity of bank borrowing employed? Is this debt amount reasonable in relation to the
equity financing of the company? When will principal and interest payments fall due? Will it be available to meet these payments
in time?

Accrued Expenses and Taxes Payable. Accrued taxes and expenses payable represent responsibilities of the company as of the date of
balance sheet preparation. Accrued expenses represent such items as salaries payable, interest payable on bank notes, insurance
premiums payable, and similar products. Of primary concern in this area, especially with regard to taxes payable, is the
magnitude, timing, and availability of funds for the payment. Careful planning must insure that these duties are met in time.

As a final Note, it's very important to recognize that even though the working capital accounts previously are recorded
individually, they must also be looked at in total and from the perspective of the relationship to one another: What is the
overall trend in net working capital? Is this a healthy trend? Which person accounts are responsible for this trend? How does the
firm's working capital position relate to similar sized firms in the business? What could be done to fix the trend, if needed?

Of course, the Questions posed are a lot easier to ask than to answer and there are several"general" replies to the issues raised.
The guides that follow provide suggestions, techniques, and guidelines for successful management that, when tempered with the
experience of the individual owner-manager along with the distinctive demands of the particular industry, might be expected to
improve the ability to handle efficiently the fiscal resources of a company enterprise.

There's one Simple reason to comprehend and detect company financial planning on your company - to prevent failure. Eight of ten
new businesses fail primarily because of the dearth of good fiscal planning.

Business Financial planning affects how and on what terms you will be able to pull the funding required to establish, preserve,
and expand your company.

Financial Planning decides the raw materials you can afford to purchase, the products you'll have the ability to create, and
whether or not you will be able to sell them economically. It impacts the physical and human resources you will be able to acquire
to operate your business. It'll be a major determinant of whether you will have the ability to make your hard work rewarding.

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

A clearly Conceived, nicely recorded fiscal plan, establishing objectives and including the The use of Pro Forma Statements and
Budgets to ensure financial management, will Demonstrate not just that you know what you want to do, but that you understand how
To achieve it. This demonstration Is Vital to attract the capital Required by your company from creditors and investors.

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