Gabriel's Blog

Fresh Start - Definiteness of Purpose

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Fri, 18 Jan 2008 13:09:08 -0600

As the new year is in full swing, it is important to focus on what you are looking to achive in the days, weeks, months, and year in front of us.

The starting point to all achievement according to Napoleon Hill is to have a Definiteness of Purpose: Knowing what your goal is, and knowing what you want must fill your mind so that you can press on towards the mark while overcoming any negative thought that may come up. Negative thoughts or people for that matter!

A great way to set yourself apart from the masses is to decide on a major goal in your life, or pick a smaller term goal for your profession or daily life and write it down. The key is to put it on paper and make this goal visible, so that you can read it several times a day. Sounds wierd, huh. Well, that's why you will be one of the few that actually follow through on this plan and will greatly improve your chances of attaining your goal.

How much time will you give yourself to achieve this goal? How will you know that you achieved it? Is it measurable? Attainable? Be realistic, but do the things today that can help you come closer to your goal on a daily basis.

Successful people move on their own initiative, but they know where they are going before they start.

The Great Napoleon Hill

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Fri, 11 Jan 2008 14:07:41 -0600

Here was a man who interviewd hundreds of the most successful buinessmen of his time in the early 1900's. Born in the mountains of Virgina, Napoleon Hill started as a poor son of a farmer, and grew into a successful businessman himself. Even after more than 30 years of his passing, his works are still classics in homes accross America. Take a peek at one of his most famous classic books, Think and Grow Rich.

This gift to you could be the best book you will ever read in this new year!

Other classics include The Law of Success and Success Through a Positive Mental Attitude.

Please share your thoughts about this one of a kind legend.

Remember always, "Whatever the mind can conceive and believe... It can achieve."

All the best of success,

Gabe Avalos

WEEKLY NETWORKING GROUPS - ARE THEY WORTH IT?

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Sun, 23 Sep 2007 17:57:18 -0500

I was curious to find out what others felt about weekly networking groups, like LeTip, or BNI, etc. At times I feel that I should start my own group, since ones I have gone to are either non-productive, or un-organized.

Do you have tips or suggestions you can share about either starting my own networking group, or what other National groups are available? What has been your best experiences in networking events in your area?

Thanks for all your comments and suggestions.

Foreclosure Tips and Strategies To KEEP Your Home

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Wed, 12 Sep 2007 21:23:19 -0500

Avoiding Default and Foreclosure

If you have fallen behind on your payments, consider discussing the following foreclosure prevention options with your loan servicer:

Reinstatement: You pay the loan servicer the entire past-due amount, plus any late fees or penalties, by a date you both agree to. This option may be appropriate if your problem paying your mortgage is temporary.

Repayment plan: Your servicer gives you a fixed amount of time to repay the amount you are behind by adding a portion of what is past due to your regular payment. This option may be appropriate if you've missed only a small number of payments.

Forbearance: Your mortgage payments are reduced or suspended for a period you and your servicer agree to. At the end of that time, you resume making your regular payments as well as a lump sum payment or additional partial payments for a number of months to bring the loan current. Forbearance may be an option if your income is reduced temporarily (for example, you are on disability leave from a job, and you expect to go back to your full time position shortly). Forbearance isn't going to help you if you're in a home you can't afford.

Loan modification: You and your loan servicer agree to permanently change one or more of the terms of the mortgage contract to make your payments more manageable for you. Modifications can include lowering the interest rate, extending the term of the loan, or adding missed payments to the loan balance. A loan modification may be necessary if you are facing a long-term reduction in your income.

Before you ask for forbearance or a loan modification, be prepared to show that you are making a good-faith effort to pay your mortgage. For example, if you can show that you've reduced other expenses, your loan servicer may be more likely to negotiate with you.

Selling your home: Depending on the real estate market in your area, selling your home may provide the funds you need to pay off your current mortgage debt in full.

Bankruptcy: Personal bankruptcy generally is considered the debt management option of last resort because the results are long-lasting and far-reaching. A bankruptcy stays on your credit report for 10 years, and can make it difficult to obtain credit, buy another home, get life insurance, or sometimes, even get a job. Still, it is a legal procedure that can offer a fresh start for people who can't satisfy their debts.

If you and your loan servicer cannot agree on a repayment plan or other remedy, you may want to investigate filing Chapter 13 bankruptcy. If you have a regular income, Chapter 13 may allow you to keep property, like a mortgaged house or car, that you might otherwise lose. In Chapter 13, the court approves a repayment plan that allows you to use your future income toward payment of your debts during a three-to-five-year period, rather than surrender the property. After you have made all the payments under the plan, you receive a discharge of certain debts.

To learn more about Chapter 13, visit www.usdoj.gov/ust; it's the website of the U.S. Trustee Program, the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees.

If you have a mortgage through the Federal Housing Administration (FHA) or Veterans Administration (VA), you may have other foreclosure alternatives. Contact the FHA (http://www.fha.gov/) or VA (http://www.homeloans.va.gov/) to discuss your options.

Contacting Your Loan Servicer

Before you have any conversation with your loan servicer, prepare. Record your income and expenses, and calculate the equity in your home. To calculate the equity, estimate the market value less the balance of your first and any second mortgage or home equity loan. Then, write down the answers to the following questions:

What happened to make you miss your mortgage payment(s)? Do you have any documents to back up your explanation for falling behind? How have you tried to resolve the problem?
Is your problem temporary, long-term, or permanent? What changes in your situation do you see in the short term, and in the long term? What other financial issues may be stopping you from getting back on track with your mortgage?
What would you like to see happen? Do you want to keep the home? What type of payment arrangement would be feasible for you?

Throughout the foreclosure prevention process:

Keep notes of all your communications with the servicer, including date and time of contact, the nature of the contact (face-to-face, by phone, email, fax or postal mail), the name of the representative, and the outcome.
Follow up any oral requests you make with a letter to the servicer. Send your letter by certified mail, "return receipt requested," so you can document what the servicer received. Keep copies of your letter and any enclosures.
Meet all deadlines the servicer gives you.
Stay in your home during the process, since you may not qualify for certain types of assistance if you move out. Renting your home will change it from a primary residence to an investment property. Most likely, it will disqualify you for any additional "workout" assistance from the servicer. If you choose this route, be sure the rental income is enough to help you get and keep your loan current.

Bottom Line: Call Your Lender. If you don't do anything about your past due balance, you will lose your home.

Special Documentary on Septemeber 29th! You Don't Want To Miss This!

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Tue, 11 Sep 2007 18:08:12 -0500

We are very excited to announce that on September 29, Pre Paid Legal will be featured on Court TV.

This documentary about Pre-Paid Legal Services, Inc. will find an audience with those interested in a revolutionary solution to the growing problem of limited access to justice. The program will be informational and educational in nature and provide a glimpse into our unique company and the services we provide.

Far from a typical documentary which focuses on something interesting but may have little direct impact on the individuals viewing it, this program will address needs that most people have.

Most people who do not have access to legal counsel will simply accept their circumstances and go on. When the credit card company charges unfair fees, when your cell phone service provider is unreasonable, or when an invoice is higher than quoted, what can we do but pay and go on?

In many cases, and for most people, it's not about whether we will absolutely have to have an attorney. It's more about whether having an attorney could make a difference through empowering us to make better decisions, resolve conflicts, and have peace of mind. This program will address this concept and much more.

We hope you will tune in to Court TV on September 29th. Please check local listings for program availability in your area.

September 29, 2007
11:00am Eastern
10:00am Central
9:00am Mountain
11:00am Pacific

PLEASE SHARE WITH YOUR FAMILY, FRIENDS, AND BUSINESS OWNERS YOU CARE ABOUT...

The Ultimate Gift

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Wed, 23 May 2007 13:40:38 -0500

I recently finsihed a great book written by Jim Stovall. If you like inspirational stories this should be on the top ten list!

Here are only a few of the pieces that I took from reading this great classic book:

In the end, a person is only known by the impact they have on others...

It is a wealthy person, indeed, who calculates riches not in gold but in friends...

Problems may only be avoided by exercising good judgment. Good judgment may only be gained by experiencing life's problems...

Laughter is good medicine for the soul. Our world is desperately in need of more medicine...

I'd recommend that you passing on this book to others can be an ultimate gift in itself! I have extra copies on hand myself! YOU DON'T WANT TO PASS UP THIS EASY READ BOOK!

Make Today A Great Day!

CHECK YOUR CREDIT REPORT REGULARLY

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Sat, 19 May 2007 15:18:07 -0500

Top five reasons why you should reviewing your credit report

1. Inaccuracies & Mixed Credit Files

Many inaccuracies on a credit report can be the result of simple human error, and are therefore are not difficult to dispute. Of course, if you don't order your credit report, you might never know about it. Whether the inaccuracies relate to payments not credited, late payments, or data mixed in from the credit file of someone else with a name similar to yours, you will want to contact the credit bureau to dispute inaccurate information promptly.

2. Tracking Payments

One of the most important elements of credit is a demonstrated history of on time payments. Once you send the check though, anything can happen--a delay in the payment being received can kick you over to a 30-day delinquency. If you call your creditor and explain the situation, they might adjust the information. Of course, if you don't read your credit report, you won't necessarily know which payments are being received and reported properly.

3. Identity Theft

This issue alone is reason to order your credit report immediately. Identity theft is an insidious crime, involving a thief who assumes your name to open new accounts, divert your card statements to another address, and run up all sorts of bad debt without you ever knowing about it until collectors come calling. Over time, identity theft could jeopardize your ability to obtain further credit. The best way to catch a thief who is using your name is by getting a copy of your credit report, which will show you if there are accounts listed you know you haven't opened. For example, if a thief has intercepted a pre-approved credit card offer in your name and sent it in with a change of address, your credit report will include the account.

4. Inquiries

If you're shopping around for a loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted as a negative by creditors. For this reason, too many inquiries can actually make getting credit more difficult. Moreover, if you didn't authorize someone to look at your credit report and they did, they may have broken the law.

5. Credit Fraud--Unauthorized Charges

Credit fraud involves the theft of your credit card or account number to make unauthorized charges to your account. Though consumers are protected financially from this abuse, other creditors may take note of all this activity and decide to raise your interest rates or refuse to grant you a loan. Ordering your credit report will help you catch new activity on accounts that you haven't been using, or may have closed.

ACTION STEP #26: DON'T BE A PERFECTIONIST

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Fri, 18 May 2007 13:18:14 -0500

Trying to be perfect takes too much time and effort. It creates too much stress and is impossible anyway. Instead, strive to relax at the 90% level. This is the personal mastery level. Following the Action Steps, reaching the 90% level in most of your financial and social endeavors will be something that you don't even have to think about. It will happen through your persistence, determination, hard work and nice personality.

Right now, learn about the income and the lifestyle level of those in the top 10% of your profession. If you aren't content earning more than 90% of your co-workers, choose another profession.

It is possible to try too hard in business, exercise and relationships. Overwork can produce stress and anxiety, which is the opposite of the inner peace you seek. Your best is good enough. Live to a high standard, not to an impossible obsession.

ACTION STEP #25: FACE FEAR

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Fri, 18 May 2007 13:16:17 -0500

Knowledge, practice and courage are your weapons against fear.

One person can step out of an airplane door at 2,000 feet without hesitation. Another can stand before an audience of 2,000 and give a speech without breaking into a sweat. Fears can be rational or irrational, but they are always personal and real. Everyone fears something.

To diminish a fear, you must first face it. The one hundredth skydive or speech won't be as traumatic as the first. The best way to deal with first fears is through a combination of logic and bravery. Logically, most people who jump from planes or give speeches don't die. They succeed through preparation. If your equipment is right and your training is complete, you are ready to jump. If your speech is carefully crafted and practiced, you are ready to speak.

Associate with confident people. You have seen many who have already done what you fear doing. Now, do what they have done. Courage grows with action. Fear is learned and must be unlearned. After facing that fear, you will feel exhilarated. Without fear, there can be no courage. Fear provides the opportunity to be brave.

ACTION STEP #24: LISTEN TO YOUR INSTINCTS

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Wed, 16 May 2007 12:39:42 -0500

"I don't feel comfortable here. I don't like the sound of this. This doesn't look right to me."

With regard to your body or surroundings, your instincts are your best early warning system. Listen to the inner voice. Listen to that gut feeling. Go to the doctor. Leave the party. Get away from these people. Quit this job. Don't open that door. Duck into that store. The world is an imperfect place. There are dangerous places and people.

Every once in a while, your instincts may be off and you may feel foolish. Err on the side of safety and your instincts may save you from danger. Give yourself time or space to consider your options. It is foolhardy to do otherwise.

ACTION STEP #23: CONTROL CONFLICT

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Wed, 16 May 2007 12:35:35 -0500

Remain calm and detached. Allow others to rage while you consider the appropriate response. Should you reason, agree, apologize, fight or leave? Which is to your benefit and to the benefit of those you must protect? Arguing often makes the other party become more defensive and determined to prevail. Let go of your anger. It only clouds the issue and draws you into a quick response. Whenever possible use kindness as your weapon against evil. Neutralize shouting with soft words. Answer threats with serene confidence. Speak plainly. Don't use foul language or sarcasm. Breathe deeply with long exhalations. Let the anger wash over you. Maintain your presence. Don't exaggerate. Don't lie. Attack the argument and not the person.

Long term relationships are almost always more important than short-term problems. Be an active peacemaker, building bridges of understanding.

ACTION STEP #22: LEAD BY EXAMPLE

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Wed, 16 May 2007 12:33:19 -0500

Start acting immediately as the person you will be, a person of character with a sound reputation. Your words, your manner, your attitude, your dress, your posture and your actions are all reflections. In modern society, people are constantly bombarded with visual and auditory messages. People need cues to sort good from bad and to find order so that they can make decisions. In many different aspects of your daily life, you are giving off cues that can be positive or negative. If you speak well, dress appropriately, smile, are courteous, work hard, volunteer and don't complain, you give people short cuts to view you in your best light.

You must never expect others to do what you would not do. You must be fair, firm, friendly and dependable. If you have to correct someone, do it in private. You have succeeded as a leader when your team works just as well in your absence. Be constantly on the lookout for heroes in your own life to admire and emulate. Adopt their styles. Then, lead by example.

MAKE MONEY WITH THE SECRET? DO YOU BELIEVE IN THIS?

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Mon, 14 May 2007 17:16:37 -0500

ACTION STEP #21: GIVE YOURSELF THE GIFT of SELF-RELIANCE

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Mon, 14 May 2007 12:12:14 -0500

If there is one gift that you can give yourself that will enhance the overall quality of your life, it is self-reliance. You already possess everything you will need to succeed. You can work on your own schedule toward your own goals without feeling pressured by the demands of others.

When you are self-reliant, if you lose your job, you'll get another. If you lose that job, you'll start your own business. You can make more money as a self-employed handyman applying the Action Steps to your work than a lazy lawyer will ever earn. You need the will, the self-confidence and a realistic plan. As a follower of the Action Steps, you will have them. Life just can't get you down because you are in control of yourself.

ACTION STEP #20: APPLAUD THE BEGINNER

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Mon, 14 May 2007 12:09:31 -0500

You walk into a karate school for a first visit and see kicking, punching, blocking, chopping and flipping. It can be intimidating if you've never done these things. Or, you may look and feel awkward learning to snow ski or rollerblade or taking a foreign language. But persist; this is your first day and there will never be another first day.

Any new endeavor may be tough in the beginning. Accept this. You must believe in yourself. Initially, critics may feel free to ridicule your ideas and goals as foolish and unrealistic. When you ultimately succeed, everyone will claim to have been on your team from the beginning. Take action and persist. Applaud those who try, because the first step is often the toughest. Welcome the newcomer.

ACTION STEP #19: SPREAD YOUR ENTHUSIASM

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Mon, 14 May 2007 12:07:48 -0500

Putting the Action Steps to work in your life will elevate your soul and lift your spirit. You will feel a zest for life. You will live full, enriched days. This will happen because you will have taken the quiet time to think, organize and prioritize your days. You will love many things and these things will become part of your day. You will be in control. Every day you will do good things for yourself and others. Words like boring, bland and uneventful will rarely describe your work or your relationships.

Listen to your favorite CD. Call a friend. Read a good book. Smile. Hear. See. Feel. Smell. Take a walk and look at all the wonders of your world. Let everyone in your life know that life is worth living.

Be known as a motivator. Ask others about their goals and how you can help them. Make people feel part of a successful team. Solicit their input. Keep everyone informed and involved. Establish performance incentives. Look for opportunities to praise and reward. Enthusiasm is contagious.

ACTION STEP #18: MASTER SUCCESS

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Fri, 11 May 2007 13:24:20 -0500

There is a master inside you. It is an ideal. It is you at your best. Keep working.

You are calm, thoughtful, patient and confident.

You are honest, trustworthy, responsible and reliable.

You are loyal and proud.

You are humble and reverent.

You are tough, self-reliant, persistent and hard working.

You are organized, neat and poised.

You are inquisitive and teachable.

You are healthy, vibrant and enthusiastic.

You are kind, friendly, helpful and generous.

You are brave and daring.

You are moral and ethical.

ACTION STEP #17: ACCEPT DIFFERENCES

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Fri, 11 May 2007 13:21:43 -0500

See each person as an individual and not as part of a group. All humans from all countries and cultures are equal without regard to race, color, creed or gender. Believe with confidence and trust that the vast majority of people whom you meet, befriend or do business with are more similar than different from you.

People are inherently good. Most people act in good faith. They mean you no harm and would assist you in time of need. Don't waste your time thinking otherwise. Do not become a party to rumor or gossip.

Reject stereotypes and the divisive and demeaning policies that group people into categories. Be the first to build bridges of tolerance and understanding.

ACTION STEP #16: PASS THE TEST

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Fri, 11 May 2007 13:19:32 -0500

Life is a test and the points on that test are earned by how much attention you give to improving yourself and helping others. When your test is graded, to what will you attribute your success: study, hard work, personality, talent, skill, opportunity, connections, patronage or luck? No amount of material success earned and kept will be awarded credit. The greater your blessings, the greater your obligation to share your good fortune.

Use your special talents to serve the common good. Let your actions be motivated by a commitment to charity and justice. Be compassionate, kind and considerate. Free yourself from your attachment to things. The Action Principles are your ideals. Right now is the time to consider your blessings. Start scoring points.

TEN COMMANDMENTS of CREDIT

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Wed, 09 May 2007 18:16:52 -0500

•1. Thou shall not overextend thy card

•2. Thou shall not be a compulsive charge addict

•3. Know thy credit report

•4. Know thy legal rights

•5. Thou shall not sign a blank charge slip

•6. Know thy account numbers and creditors' names and addresses

•7. Respect thy creditors when you have a problem

•8. Thou shall review all charge statements

•9. Thou shall pay bills promptly

•10. Thou shall destroy all carbons from charge slips

What you should know about your cards:

Creditors Name: ________________________________________________________________________

Address: _________________________________________________________________________

Telephone No: _________________________________________________________________________

Account No: _________________________________________________________________________

Exp. Date: _________________________________________________________________________

Interest Rate: _________________________________________________________________________

Credit Limit: __________________________________________________________________________

Quick Tip:

Do you want a lower interest rate? Call your creditor and ASK FOR A LOWER RATE!

Call institutions at which you have existing credit card accounts. Ask them to convert your account to the lowest available rate. Ask them to consider your payment history and longtime customer relationship.

Slicing interest rates by more than one-third by making a quick phone call is pretty impressive. A handful of consumers did exceptionally well. One cardholder saw his 14.99 percent rate reduced to zero for six months. That's quite a deal. Another cardholder saw the APR on her credit card drop from 31.12 percent to 14.65 percent.

It can't hurt to ask

Why are card issuers so willing to cut interest rates for so many of their customers? For one thing, competition in the credit card industry is fierce. If you're a good customer, a card company is going to want to hang on to you.

ACTION STEP #15: CAUSE CHANGE

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Wed, 09 May 2007 14:35:29 -0500

The status quo may be comforting, but for there to be growth, there must be change. Since you seek growth, you must seek change. You must see yourself and your environment not only as it is, but also as it could and should be. You seek the changes necessary to reach the better you so that you can play your part in making a better world. First, you change yourself. Can you change your day and spend more time with your family? Can you change your standard lunch routine and take a walk? Can you change your drive home and stop at a nursing home for twenty minutes and see someone who may have few visitors? Can you change your office habits and find the time to make five more phone calls? What are the possible consequences of not changing? Realize that many people don't make plans because they don't want to risk any change. Doing little with your life is much easier and safer than taking risks, but then you will be a small person. Instead, seek the changes which will allow you to be all that you can be.

ACTION STEP #14: GET TOUGH!

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Wed, 09 May 2007 14:29:38 -0500

Tough means that you are willing to stand tall and persevere. Even when your mind and body signal perfectly good reasons for giving up, you go on. This tough is obvious. But tough can be seen every day if we choose to look. Tough may be apatient undergoing cancer treatments or a single mother struggling to raise children. Tough can be an alcoholic ready to face rehab or an athlete living in a wheelchair. Tough can be rejecting false praise and honestly accepting you and your children for who and what you are. Tough is an ability to make the best from what you are given. Tough is making the decision to replace self-pity, complaints and dependence with self-reliance, independence and action. You've got to be tough to do the big things in life like taking risks, admitting mistakes, and changing bad habits. You've got to be tough to do the little things like biting your tongue, waiting your turn and putting up with fools. Self-reliance and self-confidence will demand your toughness. Then, you must temper toughness with kindness, realizing that many times it will be tough to be kind. Be kind anyway

ACTION STEP #13: RISK FAILURE

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Wed, 09 May 2007 14:25:48 -0500

There is no better time to start taking positive action than right now. You research and you have confidence in your preparations. You don't allow yourself to become paralyzed by indecision. You realize that a time comes when you must act. If you hesitate too long, doubts will linger and turn into fears. Yes, you may stumble. Yes, you may be rejected. Yes, you may fail. This is life. Life's winners accept that in trying they may have to adjust and even start again and again. The difference between successful people and others is not whether you make mistakes or even temporarily fail, but how you respond. Many people look for guarantees before taking independent action. Yet, inseeking assurances, they frequently receive cautions, which can easily be used as excuses for inaction. Be aware that those who love you the most may be the loudest in warning you not to risk.

ACTION STEP #12: MAINTAIN A POSITIVE ATTITUDE

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Mon, 07 May 2007 13:02:57 -0500

A positive mental attitude results from a life dedicated to self-improvement and service. With a personal commitment to doing your best today, you don't have to be overly concerned about tomorrow. You can be confident that good things will happen and be equally confident that if trouble comes you will have the strength and skills to cope, take control and then conquer. You are tough. You stay at it. You don't allow your doubts to destroy your dreams. Hope does spring eternal. You are thankful to have the curiosity to keep learning. You are grateful to see opportunity knock so often. You are thankful to have the personality to keep making new friends. Your mind can only hold one thought at a time so make that one thought positive. Count your blessings. The way is clear. The world is a better place because you are in it.

ACTION STEP #11: USE THE POWER OF PATIENCE

Gabriel Avalos (Pre-Paid Legal Services & Identity Theft Shield) — Mon, 07 May 2007 12:59:58 -0500

You can handle most problems because you know that only a little time stands between you and your goal. It may take twenty calls to make a sale. Be patient. It might take you five attempts to quit smoking or lose weight. It might take ten applications to get the job you really want. The point is that you try and keep trying until you succeed. Most people quit too soon. Be persistent. Be patient. Concentrate on your major goal until you have achieved it. It is not what you did yesterday. It is not what you may be doing today. It is what you are prepared to do every day. That one cold morning when you want to roll over but instead get up and go to the gym, is a defining moment. Remember that all wealth, all businesses, all real estate and all treasures eventually pass from old hands to young. Be prepared. Your time is coming.