Choose a job you love, and you will never have to work a day in your life.

Confucius

My Declaration of Self Esteem

I am Me. In the entire world, there is no one else exactly like me.

Everything that comes out of me is authentically mine, because I alone chose it --

I own everything about me: my body, my feelings, my mouth, my voice, all my actions, whether they be to others or myself.

I own my fantasies, my dreams, my hopes, my fears. I own my triumphs and successes, all my failures and mistakes.

Because I own all of me, I can become intimately acquainted with me.

By so doing, I can love me and be friendly with all my parts. I know there are aspects about myself that puzzle me, and other aspects that I do not know --

But as long as I am friendly and loving to myself, I can courageously and hopefully look for solutions to the puzzles and ways to find out more about me.

However I look and sound, whatever I say and do, and whatever I think and feel at a given moment in time is authentically me.

If later some parts of how I looked, sounded, thought, and felt turn out to be unfitting, I can discard that which is unfitting, keep the rest, and invent something new for that which I discarded. I can see, hear, feel, think, say, and do.

I have the tools to survive, to be close to others, to be productive, and to make sense and order out of the world of people and things outside of me.

I own me, and therefore, I can engineer me. I am me, and I am Okay.

Our Deepest Fear

"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness, that most frightens us. We ask ourselves, who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? You are a child of God. Your playing small doesn't serve the world. There's nothing enlightened about shrinking so that other people won't feel insecure around you. You are born to make manifest the glory of God that is within you. It's not just in some of us, it's in everyone. And as we let our own light shine, we unconsciously give other people permission to do the same. As we're liberated from our own fear, our presence automatically liberates others."

(Attributed to Nelson Mandella)

Anyone who angers you conquers you.

Sister Kenny’s mother

How to Be Unhappy

Make little things bother you. Don't just let them, MAKE them.

Lose your perspective on things and keep it lost: don't put first things first.

Get yourself a good worry, one about which you cannot do anything.

Be a perfectionist, which means not that you work hard to do your best, but that you condemn yourself and others for not achieving perfection.

Be right. Be always right. Be the only one who is always right, and be rigid in your rightness.

Don't trust or believe people, or accept them at anything but their worst and weakest. Be suspicious. Insist that others always have hidden motives.

Always compare yourself unfavorably to others. This guarantees instant misery.

Take personally everything that happens to you.

Don't give yourself whole-heatedly to anyone or anything.

Laws of Success

Do you want something? -- Will you pay the price?

The great sin -- Gossip.

The great cripple -- Fear.

The greatest mistake -- Giving up.

The most satisfying experience -- Doing your duty first.

The best action -- Keep the mind clear and judgment good.

The greatest blessing -- Good health.

The biggest fool - The man who lies to himself.

The great gamble -- Substituting hope for facts.

The most certain thing in life -- Change.

The greatest joy -- Being needed.

The cleverest man -- The one who does what he thinks is right.

The most potent force -- Positive thinking.

The greatest opportunity -- The next one.

The greatest thought -- God.

The greatest victory -- Victory over self.

The best play -- Successful work.

The greatest handicap -- Egotism.

The most expensive indulgence -- Hate.

The most dangerous man -- The liar

The most ridiculous trait -- False pride.

The greatest loss -- Loss of self confidence.

The greatest need -- Common sense.

Business Financial management in the business is characterized, in several distinct instances, by the need to face a somewhat
different set of problems and opportunities than those faced by a large corporation. 1 immediate and obvious difference is that a
majority of smaller firms do not normally have the opportunity to openly sell issues of stocks or bonds in order to raise funds.
The owner-manager of a smaller company must rely mostly on trade credit, bank financing, lease financing, and private equity to
fund the company. One, hence faces a much more severely restricted set of financing alternatives than those confronted by the
financial vice president or treasurer of a massive corporation.

On another Hand, if small business financial management is concern, many financial problems facing the small firm are extremely
similar to those of larger businesses. By way of instance, the investigation required for a long-term investment choice like the
purchase of heavy machines or the evaluation of lease-buy options, is essentially the same regardless of the size of the firm.
When the decision is made, the funding alternatives available to the business may be radically different, but the decision process
will be generally similar.

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

The business Manager must always 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 company. 1 convenient and effective system to highlight the key managerial
requirements in this area would be to view working capital concerning its important components:

Cash and Equivalents. This most liquid form of current assets, cash and cash equivalents (usually marketable securities or
short-term certificate of deposit) requires constant oversight. A well planned and maintained money budgeting process is
imperative to answer crucial questions such as: Why is your cash level adequate to satisfy 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 meet any cash shortfalls? When will this borrowing be necessary and when may repayment be expected?
Accounts Receivable. Almost all businesses are required to extend credit to their clients. Key issues in this field include: Is
the amount of accounts receivable reasonable in relation to sales? On the average, how quickly are accounts receivable being
accumulated? Which customers are"slow payers?" What actions ought to be taken to rate sets where required?Inventories.Inventories often make up 50 percent or even more of a firm's current assets and therefore, are deserving of close
scrutiny. Key questions which must be considered in this area include: Is your level of inventory reasonable in relation to sales
and the operating characteristics of the business? How rapidly is inventory turned over in relation to other businesses in the
exact same industry? Isn't any funds invested in dead or slow moving inventory? Are sales being lost as a result of insufficient
inventory levels? If appropriate, what actions ought to be taken to increase or reduce stock?

Accounts Payable and Trade Notes Payable. In a company, trade credit frequently provides a major source of funding for the firm.
Key issues to investigate in this category include: Why is the amount of money owed to suppliers reasonable concerning purchases?
Is the company's payment plan such it will enhance or detract from the firm's credit rating? If available, are reductions being
taken? What will be the timing relationships involving payments on accounts payable and collection on accounts receivable?Notes
Payable. Notes payable to banks or other creditors are a second major source of funding for the company. Significant questions in
this course include: what's the amount of bank borrowing used? Can this debt amount reasonable in relation to the equity funding
of the firm? When will principal and interest payments fall due? Will it be available to meet those obligations in time?

Accrued Expenses and Taxes Payable. Accrued taxes and expenses payable represent responsibilities of the firm as of the date of
balance sheet preparation. Accrued expenses represent such items as wages payable, interest payable on bank notes, insurance
premiums payable, and related products. Of main concern in this region, particularly 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 on time.

As a final Note, it is important to recognize that although the operating capital accounts previously are listed separately, they
need to also be viewed in complete and from the perspective of their connection to one another: what's the general trend in net
working capital? Is this a healthy trend? Which individual accounts are responsible for this trend? How can the company's working
capital position relate to similar sized firms in the industry? What can be done to fix the fashion, if necessary?

Of course, the Questions posed are a lot easier to ask than to answer and you will find several"general" replies to the issues
raised. The manuals which follow provide hints, techniques, and guidelines 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 ability to handle effectively the fiscal resources of a company enterprise.

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

Business Financial preparation affects how and on what terms you'll have the ability to pull the funding required to establish,
maintain, and expand your company.

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

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

A clearly Conceived, well recorded fiscal plan, establishing objectives and such as the The use of Pro Forma Statements and
Budgets to ensure financial control, will Demonstrate not only that you know what you wish to do, but you understand how To
accomplish it. This demonstration Is Vital to attract the funds Required by your company from lenders and investors.

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