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Chapter 1:

Family Finance Basics

A good and fully comprehensive family finance planning exercise should ideally include items such as dreams, goals, resources and responsibilities of the entire family unit.

The Basics

This is to ensure all possible bases are cover for the long term planning, thus creating a better overview of the future direction the family should take.

This is also a good way to design the path and work toward the goals set as a family unit. The positive element often enjoyed by this form of planning would include all parties working together and gaining good and practical experiences along the way.

In a lot of cases, the planning of the family budget both in long term and short term formats help to bring the family closer and more capable of handling hiccups along the way.

Family finance planning basics should also ideally take on the element of creating a comfortable leeway for unwanted surprises that are almost certain to happen along the way as the family grows and evolves.

Learning how inspire the family to go along with the expenses prepared is also another important element that can be experienced with the planning exercise.

The entire family will learn to adapt the respective needs and indulgences according to the financial plan drawn. Having discussions and being clear on the financial situation of the family will help instill a sense of responsibility with each family member thus ensuring all work as one unit to make the financial commitment of the family manageable.

The other benefit of family financial planning is also to get the children involved at a very early age, in the various components, commitments and sacrifices the parents would be making on their behalf so that they are able to enjoy a better quality of life.

Chapter 2:

Put Together A Family Meeting For Financial Goals

Getting the family involved at some level of the family financial planning and goal settings will be beneficial to all parties, especially the kids, as they will be able to see firsthand just what it entails to run a family successfully and comfortably.

Talk About It

The perseverance and commitment needed to create a suitable and workable family financial plan will also create a new appreciation by the children for the parents for their willingness to share the fruits of their labor with their children.

Ideally this should be achieved through the arranging of a family meeting to work out the details of the financial goals for the family unit. The following should be some of the elements included in the process of the family meeting for finance planning:

A meeting should be called to discuss the aspirations and goals the family should be working towards as a unit. There should be some level of encouragement for all participating members of the family to be able to express their own individual opinions without reservations.

The key to raising children who are conscious and careful about spending habit is to inculcate very early on in life the merits of budgeting and sticking to the budget designed.

Items such as college funds, car upgrades, large house expenses, retirement funds should all be discussed and clearly outlined for all the members to be encouraged to understand the general commitments of the family income.

Getting all the relevant document such as financial records and then taking the time to evaluate the financial situation honestly will help greatly in the eventual financial planning stage.

Getting all the family members to be willing to eliminate any unnecessary expenses and frivolous spending is also another positive attitude to encourage through the family meeting.

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Chapter 1

Introduction

No man is an island.

That may sound a cliché but it definitely holds true to everyone – to you, to me, to them.

Remember the first man God has made? He was Adam. He lived alone for a while- the length of time we do not know. However, God saw that he was sad and lonely. He was the highest creature that was made. He had everything he wanted. Yet, he was not happy. Why? It is simply because life without other people is not worth living.
Imagine yourself in Adam’s place. You’ve got all the food you want to eat, beautiful places you want to go, and money you want to spend. You have everything you want to have, and you are going to make use of them- alone.

Perhaps, it was not easy for Adam. And God saw what was missing in his life. Another human being was created to live with him and journey life’s highway with him. He became happy. He became contented.

That is also the scenario in our lives. We may have everything we need even what we want. But, there got to be people in our lives whom we can share our lives with.
The fact is that, we were created sociable. Not only does it apply to people before. Until now, it still remains the same. Being sociable is not something we can avoid nor hide. It is in us and all we can do is accept it and make it work for us.

Yes, man can live alone. In fact, a lot of people nowadays are independent. They have a house of their own, earn real cash for themselves, eat alone, and sleep alone. But despite that, they still have people around them whom they consult to occasionally. They still get to mingle with others at times. They still converse with people once in a while. They may say they are alone, but not most of time.
We all need friends.

Friends are those people we are comfortable with. Those we can chat with and hang-out a lot. They are the ones whom we get to relax with when we are so stress from school and work. They are those who offer help when we desperately need it. The ones we can rely on and trust our secrets to.
However, we need to consider that people are not the same. Our traditions and beliefs may not coincide. Our thoughts different from them, our like and dislike may not be the same – so as friendships.

Basically, friendships are not the same. Because people are unique in every way, our friends also vary. Our kinship with people is of different levels.
Some are true friends, some are not. Some are your friends only when you have money. Some are just your hang-out friends. Others are just visiting friends. But the fact is that, they are still your friends.

They may not be the same, but you are still able to share your life with them in different aspects you can ever think of. Indeed, you can’t make it alone.

Perhaps you want to build friendships with a lot of people but are having difficulty around.

This eBook provides you with tips, ideas and advices you can use to gain a lot of new friends.

Friends are everywhere; you just have to know how to handle them well.

Chapter 2

Baby Steps To Making New Friends

First impression lasts.

In making new friends, your disposition and manner of getting along with people at first meeting most of the times matter.

A smile always captivates a person. Not only does it brighten your day, but most importantly, it gives the new people you meet a hint that you are friendly and approachable. Based on observation, those people who are not smiling are perceived as strict and closed type of people. Thus, don’t forget to wear your smile every day.

Being well-groomed is also liked by a lot of people. A person who doesn’t know you will always look at your outward appearance. After looking at your face, your clothes and dress up will be the next thing to be observed. If you are always seen dirty and not well-dressed, people will not be interested to make friends with you, except for few who like dirty-look. Otherwise, being clean and fresh is mostly desirable.

As you start a conversation with someone new, always maintain a good eye-contact with that person. By that, you will be sensed as someone who is sincere and a good listener. People always want to be listened and by simply lending an ear attentively, that person will feel respected.

Giving compliments to people will also increase your degree of being treated as a friend. Somehow, it gives the person you are talking to sense of belongingness and value. When a person is discouraged, a compliment remark always gives comfort and encouragement.

Showing your interest in other people is also an effective way of making friends. Focusing on them will make them feel that you are concerned with them and that you are indeed a potential good friend they can count on.

Having a balanced emotion at hand gives people an impression of your maturity as a person. Hence, it would be good if you are always watching on how you carry your emotions whatever situation you are in.

These are only few of the ways how you can gain new friends. There are still a lot of things you can effectively do to befriend new people. However, you don’t need a long list of these steps. So long as you master and apply these steps appropriately, lot of new friends is just around the corner.

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Foreword

It is important for us all to ensure that our egos are strong and healthy. Our ego is our identity. It is who we believe ourselves to be and as such is a reference point and our “home in the world.” The ego is individuality. As our identity it sets us apart from other people’s identity. Get your ego in order here.

Ego Evolution

The Reasons Behind And The Plan To Build A Healthy Ego

Chapter 1: Ego Basics- Why You Need To Develop Your Ego

The ego is the centre of consciousness and is the “eye” through which we perceive the world. Our decision making is determined by our ego and it implements our will. The ego can be seen as an interface between the human world of society and individuals.

The Basics

Very importantly the ego is a sentry. It analyses situations as threatening or beneficial. It reacts to insults, damage to what it sees as its own symbols or challenges to its circumstances.

It is necessary for us all to work to strengthen our egos and by doing so develop a sense of individuality, independence, self esteem, assertiveness, presence and values.

Egos give us convictions of our opinions and perspectives specific tastes and preferences. People in possession of those qualities have egos which can be termed well developed, well defined or “strong.”

A well developed ego is beneficial in many ways. Individuals with healthy egos approach other people from a position of strength and vigor rather than from neediness or emptiness.

Such people can easily forge positive relationships with others. Well developed egos allow individual to behave consistently and be stable and trustworthy. People with well developed egos are not easily swayed by people who try to persuade them with their opinions.

Developing a healthy ego means that a person has an effective persona and appears confident, in control and trustworthy.

Chapter 2: Work On Honesty

Honesty is a key ingredient in developing trust. Trust is a key element in establishing credibility. Our credibility is at the centre of our ability to influence others and provide strong leadership.

Truth

To be honest is to be real, genuine bona fide and authentic. Honesty gives our business dealing openness, reliability and imparts our values to others.

It is important to work on our honesty to establish credibility in our relationships with others. To do this we must become more transparent.

Organizations are essentially a collection of relationships and honesty is one of the most obvious and neglected to improving relationships and self awareness.
In the workplace when people choose to be more honest with others the morale and productivity of the whole team improves in the process. Telling the truth is probably the single most cost effective and single way to productivity and employee satisfaction.

Being dishonest is generally the result of an individual fearing the consequences of telling the truth. Individuals are not up front when they are afraid.
Establishing ground rules in work place situations and being prepared to listen to reasons as to why something was said, not said or done encourages staff to be honest. Honest explanations will then be more forthcoming as to why a certain deadline was not met.

Developing a written code of business ethics is most helpful when working to develop honesty.

Such a code will guide all decision making and actions. An individual’s reputation and track record for ethical behaviors and integrity are vital for establishing the trust that is the basis for all successful relationships that are held including those with customers, employees and the community.

The old adage of honesty being the best policy is most certainly true in all workplace situations. It allows for a more positive work environment and will help to retain customers and gain others.

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Introduction

Copywriting is an exclusive technique that permits you to promote such things as products, special events, individuals or companies. Copywriting is regarded as one of the most important elements of any marketing strategy.

It should be considered as the tool to help your company promote itself. Your customers or returning clients are familiar with the quality of the products and service that you offer and consistency of your business. However, most of the people find or "discover" your site by the search terms or keywords they enter into search engines.

How is the copywriting performed? Irrespective of the company you have, diversities of products and services you provide, you should be fixed to several important rules. Despite the fact that copywriting has changed during the last decade due to the wide use of the internet, some fundamental rules still apply.

As simple as copywriting might look, it should comprise several vital elements. First, it must have an intriguing and appealing headline that entices your visitor to explore further down the page. It must contain subheadings where main features of the heading are restated. The most significant part of the copywriting copy is definitely the body that tells the major points of your text. It should be easy-to-read, logically structured and coherent.

Ideal copywriting content should highlight the benefits of the product, its uniqueness and clearly state reasons your visitors should buy from you. One should remember that there are plenty of other people, businesses and websites, which might sell identical products and services as you.

In order to be successful, you should stand out from the crowd. This technique should apply in offline and online copywriting alike and if the technique is performed professionally it leads to the increase of the traffic on your website. When writing a sales letter remember that one of the most important elements of the content is persuasion.

One should persuade your visitors to take further actions to make a purchase from you rather than from your competitor’s. If the principles of persuasion, action, desire, and motivation are applied in your copywriting, one can be sure that it will bring positive results.

Chapter 1: Writing A Sales

Letter That Sells

Ever heard of the saying that if the heart’s in it, the brain will follow? There is need to capture the heart of today’s advert weary buyer as a result from flooding sales letters from received advertised products or services.

There is need to follow the required step-by-step structure for your sales letters to achieve results. A structural plan that goes into the heart.

Emotion is the key to buying anything; whether it is paper clips or plain paper, emotions are required to enhance a purchase. Once the emotion is set rolling, facts, specifications, and the likes are used to justify the decision made. Catching your customer’s emotion is the main essence of every sentence, phrase and everything about your sales letter.

The promise of gain and the fear of loss are the two emotions that really motivate people. The stronger is the fear of loss. Choosing from using either “How to keep from being sued” or “Save money in legal fees” as headlines will get better a response as an example of a sales letter.

Basic human needs are based on keeping the fear of loss or the promise of gain which give rise to seven emotional hooks. Your sales letter must frankly address as many of these basic needs irrespective of your product or service.

These seven emotional hooks are:

? Free time. ? Self-satisfaction. ? Fun or excitement. ? Popularity. ? Wealth. ? Safety or Security. ? Good looks.

Using all these is more important. So, how do you get them to the heart, or get your prospective customers to act or utilize the copy paradigm? For instance, you will catch the attention if you shout “Peanuts” facing an audience in rows of bleachers in a baseball stadium. Your boss has given you a bag of peanuts that you must completely sell or you’ll get fired. Therefore, you must sell.

Use The Verbal "2x4"

An emotional motivator must be used to hit them on the head, meaning you start with an envelope. You can ask “When you saw a plain white envelope, did you remember the last time you rushed to open it?” Remember that you must make use of the promise of gain or fear of loss, written boldly.

Let’s consider these two examples:

Gain: In this white envelope, we put a money-making miracle. Loss: Work hard for the rest of your life and throw this away. The envelope was eventually open and you saw a boring paragraph about your leadership in the industry having conventional sentences about dedication, innovation, and commitment.

It Goes in a Round File

Making use of our key motivators; the promise of gain or fear of loss. Either must be in the headline, as your reader must not miss it and it must strengthen the headline into watering their appetite to rip open the envelope. Both your headline and sales letter must come together in their emotional impact and the message.

For instance, “You are halfway to getting rich if you finish reading this letter”. Our next discussion will be about the body of the copy, getting what to say to leave your existing or prospective customers begging for your product. You must mine the clues to master the perfect sales pitch and get into your customer’s emotions.

Testimonial Time

Heard of profiling? You put details of key specifications that build trust in your company and you. This can be done by sharing satisfactory words of testimonials from your satisfied customers. There will be the edge if you can get this from people in the industry that your prospects recognize and you can also make use of photos, phone numbers if you have access to them to boost your credibility. You can share experiences of how long you have been in the business and share any articles about your company and or its products that were shown in the any type of media. These might cost more as they are revealed from an impartial source.

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Foreword

Occasionally, you want to go for a walk, knowing how great it is for your health and how fantastic you feel afterwards, yet, you feel too lazy, and would like to watch television instead. You may be aware of the fact that you have to alter your eating habits or quit smoking, yet, you don't have the inner power and doggedness to alter these habits.

Does this seem familiar? How many times have you stated, "I wish I had will power and self discipline"? How many times have you begun to do something, only to stop after a short while? We all have had experiences like these.

Everybody has some addictions or habits they wish they could overcome, like smoking, excessive eating, laziness, procrastination or lack of self-assertiveness. To overpower these habits or addictions, one needs to have will power and self-discipline. They make a big difference in everybody’s life, and bring inner strength, self-mastery and decisiveness.

Discipline 101

Break The Cycle Of Bad Discipline - Works Even If You Are Lazy Person!

Chapter 1:

What Is Will Power and Self Discipline

Will power is the power to subdue laziness and procrastination. It's the power to command or reject unneeded or injurious impulses. It's the power to arrive to a decision and follow it with doggedness till its successful achievement.

It's the inner might that overcomes the desire to indulge in unneeded and worthless habits, and the inner strength that overpowers inner emotional and mental opposition for taking action. It's among the fundaments of success, both spiritual and material.

Self-discipline is the associate of will power. It empowers with the stamina to hold on in whatever one does. It imparts the power to withstand adversities and troubles, whether physical, emotional or mental. It allots the power to reject immediate satisfaction, in order to get something better, but which calls for effort and time.

Behind Discipline

Everybody has inner, unconscious, or partly conscious impulses, making them state or do things they later rue stating or doing. On a lot of occasions individuals don't think before they talk or act. By formulating these 2 powers, one becomes witting of the inner, subconscious impulses, and derives the power to reject them when they're not for his/her own good.

These 2 powers help us to pick our behavior and reactions, rather than being dominated by them. Their possession won't make life ho-hum or boring. To the contrary, you'll feel more powerful, in charge of yourself and your environment, happy and gratified.

How many times have you felt too powerless, lazy or shy to accomplish something you wished to act? You are able to gain inner strength, initiative and the power to arrive at decisions and follow them. Believe me; it isn't difficult to develop these 2 powers. If you're sincere and are willing to get stronger, you'll surely succeed.

In this book, you'll find a few exercises and strategies for developing these abilities. These easy, but effective exercises, may be performed everyplace and at any time. Go slowly and gradually, and you'll see how you get stronger and your life begins improving.

There's a misconception in the public mind regarding will power. It's erroneously thought to be something arduous and difficult, and that one has to exert and tense the body and brain when expressing it. It's a totally wrong concept. This is among the reasons why individuals avoid utilizing it, though they're conscious of its does good. They acknowledge the fact that the use of will power in their life and affairs will greatly assist them and that they have to strengthen it, yet they do nothing about it.

Will power gets stronger by holding off and not allowing the expression of insignificant, unnecessary and unhealthy ideas, feelings, actions and reactions. If this saved energy isn't allowed expression, it's stored inside you like a battery, and it becomes available at the time of need. By rehearsing suitable exercises, you develop your powers the same way, as an individual who trains his/her muscles in order to fortify them.

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Foreword

Confident Creatures, “Create Your Ideal Lifestyle By Realizing Your Full Potential Through Confidence” is an eBook which will give you an insight in to this very important attribute which has made men and

women enter the books of history. The ideas of some of the well known authors of personal motivation books especially on the issue of self confidence will be considered.

In this eBook, all the principles and factors associated with confidence will be discussed. It has been proved that confident can help you realize your fool potential in life. Persons and other living creatures

which possess confidence in abundance are known as confident creatures.

This book will give you an exceptional understanding of confidence; what it is and how you can use it to bring a very great positive change in your life. It will help you over the worries of ‘can I manage? Am I the

best? What will I do? What will happen?’ and such related questions.

This book will also give you an insight into another very dangerous attribute and character associated with confidence which is referred to as over confidence. Over confidence is very dangerous. It leads to the

development of bullish ideas. Most dictators and hardcore criminals are over confident.

Over confidence is the opposite of low or lack of self confidence which is equally dangerous. With low self esteem, you will find it very hard to live and interact with others. You are also highly likely to fail
in your interviews. You cannot impress anyone if you lack self confidence. You can oppress anyone if you are over confident. You can oppress anyone of have the necessary confidence and you will impress

many. It is a very good attribute and you will learn how to acquire it in this eBook.

After reading this book, you will understand better why you behave in a particular manner under detain circumstances either always, occasionally or at times. This eBook is like mirror which will reflect the

inner you and what you can do to yourself and your dependants.

While most people are naturally born while self confident, most others lack it in one way or the other. If you are not so lucky to be born with self confidence, then you can get self confidence from articles like in

this eBook and the inspirational stories you will get there.

The fear of what will happen and whether you will make it (because you think others are better) is the impediment to your way of becoming a confident creature; achieving what you want and being successful.
This book is written in very simple English and real life examples which you can even relate to your own life. You will enjoy reading it you will emerge more confident person by the time you are through with

reading.

Confident Creatures

Create Your Ideal Lifestyle By Realizing Your Full Potential Through Confidence

Chapter 1:

Confidence

In this chapter you will learn about what is self confidence. You will also learn about what self confidence is.

These two attributes are very vital in creating your ideal lifestyle by realizing your full potential.

Are you confident about yourself? Your answer to this question explains how you live, whether you appreciate or disapprove yourself.

Definition of Confidence

The word confidence has been defined variously by different writers, scholars, academicians and psychologists. It is a term which is generally understood to refer to FULL TRUST: it refers to the belief,

consciousness and trust that a person, entity, authority or another thing is capable of succeeding in something. It also refers to the belief in yourself (self confidence).

Confidence is vital attribute which has made countries win wars; individuals win competitions and games, people do what seems impossible and it has also helped men and women make history. It is required

by everyone be it at marriage, in school, at work, in positions of leadership and generally in your daily life.

What is self confidence?

"Self-confidence gives you the freedom to make mistakes and cope with failure without feeling that your world has come to an end or that you are a worthless person." - Anon

Self confidence refers to the trust or confidence in self. It is the belief that you (or the person or entity you are acting for) will emerge victorious and successful in the task you want to undertake. With self

confidence, you are able to meet most of the challenges in life. It will also help you do what people believe is impossible or difficult to do.

Take for example the time when the current president of the United States of America Mr. Barrack Obama was launching his presidential campaign before the 2008 US elections. Most people wished him
away publicly and openly stated that he had little or no prospects of succeeding in his quest for US presidency.

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The Journey Of Self-Discovery

Have you ever wondered who you really are? What your life purpose is? What are you really meant to do on this Earth, in this lifetime?

Do you feel that there is more to you and what you can offer?

If you are still searching for these answers, then you have come to the right place. The journey of self-discovery requires a lot of groundwork and can be daunting at times, as it involves revisiting a lot of your past experiences, choices and emotions.

Therefore, this book will guide you through all the intricate details you require in your journey to unravel your true self. This includes identifying your personality, awakening your spiritual dimension, learning to love yourself as well as embracing the change that comes.

It will no doubt trigger confusion, doubt, and misunderstandings, which will force you to make decisions that will affect your life. However you need to trust the process as it is worth taking and you will turn out to be an entirely different person from where you started off. There is more to you than you think.

Let go of your past and focus on what is about to come. Give permission to yourself to go through this journey and allow yourself to be vulnerable. When you open up yourself to all the possibilities this journey will bring, you will realize how rewarding it is at the end.

You will discover the most important element of all: YOURSELF.

The Path Of Self Discovery

1. Conducting A Self-Assessment For Self-Discovery

“There is no greater journey than the one that you must take to discover all of the mysteries that lie within you”

- Michelle Sandlin

To a very large extent, many of us tend to see the wrong in others without taking into account or having a close look on ourselves.

We subconsciously judge others and not ourselves. Taking a self-assessment is important in realizing and shaping us to becoming the best version of ourselves. You also need someone who is very honest to help you in your self-assessment.

Usually the person who is able to help you is someone whom you can trust. It can be your significant other or a best friend. Also, there are a number of self-assessment tests that you can take for self-discovery.
Self-assessment involves looking deep into you for an INSIGHT.

Self-assessment does not meansyou are taking some time to reflect upon yourself and get to learn about the person you see every time you look in the mirror.

The first step to a definite self-assessment is to be HONEST about you. Take a good look in the mirror and take the time to study the person you see.

Describe the person you see in the mirror using up to a total of 25adjectives. Consider using both positive and negative adjectives. This exercise is important because you are being honest with yourself. Dig deep. Allow for self-discovery.

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