Running a business is hard work and often emotional. It’s easy to lose motivation and feel the urge to give up. Remember that nothing worth having comes easy and, in the end, it may be the most rewarding thing in the world. I’ve compiled

  1. The trick is in what one emphasizes. We either make ourselves miserable, or we make ourselves strong. The amount of work is the same. – Carlos Castaneda
  2. My son is now an ‘entrepreneur’. That’s what you’re called when you don’t have a job. – Ted Turner
  3. You miss 100 percent of the shots you don’t take – Wayne Gretzky
  4. Many of life’s failures are people who did not realize how close they were to success when they gave up. Thomas A. Edison
  5. Those who say it can not be done, should not interrupt those doing it. – Chinese Proverb
  6. The critical ingredient is getting off your butt and doing something. It’s as simple as that. A lot of people have ideas, but there are few who decide to do something about them now. Not tomorrow. Not next week. But today. The true entrepreneur is a doer, not a dreamer. – Nolan Bushnell
  7. There’s no shortage of remarkable ideas, what’s missing is the will to execute them. – Seth Godin
  8. Whether you think you can or whether you think you can’t, you’re right! – Henry Ford
  9. We generate fears while we sit. We overcome them by action. Fear is nature’s way of warning us to get busy. – Dr. Henry Link
  10. You only have to do a very few things right in your life so long as you don’t do too many things wrong. – Warren Buffett [click to continue…]

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Wonder how your financial decisions affect your credit score?  Familiarizing yourself with the components of your credit score calculation can help you become more financially savvy. Listed below are five main factors that affect your FICO credit score, along with a percentage that reflects how heavily the factor is weighed in calculating FICO scores for the general population. Keep in mind that since everyone’s credit situation is unique, each factor might weigh more or less heavily in determining an individual’s credit score.

What Factors Affect Your Credit Score?


1)      Your payment history – This makes up about 35% of a typical credit score. Your payment history shows lenders how responsible you have been with credit, such as whether you pay on time and how long it’s been since your last late payment, if any.  How late payments affect your credit score depends on three main factors, including: [click to continue…]

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What is a Credit Score?

A credit score is a three-digit number that lenders and creditors use to determine your creditworthiness, or how likely you are to pay back the debt you owe. This score is generated by a mathematical algorithm that uses many types of information from your credit report. The credit bureaus that issue these credit scores have different evaluation systems. This means that the three major credit bureaus in the U.S. (Equifax, Experian, and TransUnion) may issue different scores for the same individual at the same time, all based on the same credit report information. Thus, you don’t actually have just one credit score; you have many, and they all change over time.

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1) How to Win Friends & Influence People
by: Dale Carnegie

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Waking up early is one of the best ways to be more productive. Some of us might find it difficult to wake up early, but the good news is that there are effective techniques that you can practice to help you wake up earlier.

So are you ready to stop giving your snooze button so much action?

10 Effective Methods to Waking Up Early


  1. Wake up 10 minutes earlier each day.
    If you have set your alarm earlier only to find yourself constantly pressing “snooze” until your regular wake-up time, your body probably needs time to adjust. If your normal wake-up time is 8am, you might not succeed at waking up at 5 am immediately. So instead of aiming for a 5 am wake-up right away, gradually wake up earlier by setting your alarm only 10 minutes earlier than your regular wake-up time. Keep doing this every day until you feel adjusted to the new time. This might seem slow to some people, but sudden changes of an hour earlier is usually difficult and not likely not be consistent. [click to continue…]

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What makes highly successful people happier, less stressed, and more productive? One of the ways is how they start their mornings!

Successful people know that time is precious and the importance of having a productive morning. The morning is the foundation from which the rest of the day is built on and can predict the kind of day you’re going to have. How you choose to start your morning will have an impact on how you feel throughout the day. Choose to start your morning by being productive and you will feel happier and more refreshed throughout the day. Waking up late, rushing, and scrambling to get things done in the morning will cause you to feel more stressed and tired during the day.

Below is a list of 5 ways to get your morning off to a great start!

1)    Wake up early – When you wake up before the rest of the world wakes up, you have time to focus on what you need to do before you get distracted by meetings, emails, and phone calls. Waking up at 5:30 am gives you  more opportunities to fulfill your personal priorities first and do things that matter to you.

Tip: If you have a hard time getting up in the morning, try going to sleep earlier the night before and gradually wake up 10 minutes earlier each week for the next two weeks, or until you have no issues waking up to the new time. Then, wake up 20 minutes earlier for the next three weeks. Gradually wake up a few minutes earlier each time so that you barely notice the change from day to day. Read additional tips on how to wake up earlier. [click to continue…]

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“Don’t say you don’t have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresa, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein.” ― H. Jackson Brown Jr.

Ever feel like there aren’t enough hours in a day? Perhaps, you need to review how you manage your time and stop procrastinating. Below are some tips to manage your time effectively.

Time Management Tips

1)      Make a daily to-do list – Prioritize and put the most important tasks at the top of the list. Even if those tasks are dreadful, tackle them first and get it over with instead of dreading and avoiding it throughout the day. Include things you want to do on your list too, so that you have things to look forward to. Try motivating yourself with a reward if you get to everything on your list.

2)     Differentiate between what’s important and what’s urgent – Dwight D. Eisenhower once stated, “what is important is seldom urgent and what is urgent is seldom important.” Don’t fall into the trap of believing that all urgent tasks are also important. Knowing the difference between the two can have a huge impact on managing your time efficiently and effectively. [click to continue…]

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“What is important is seldom urgent and what is urgent is seldom important.”
Dwight D. Eisenhower

Do you ever feel like you’re always busy working, yet your list of things to do never seem to get any shorter? Or you feel like you’re getting a lot of things done, but you’re not actually making any progress with your long-term goals? Remember that being busy doesn’t necessarily equate to being productive. You might be struggling with understanding the difference between what’s really important for you and what’s merely urgent. Understanding this difference can make a huge impact on the quality and productivity of both your personal and professional life.

Great time management means being efficient and effective. This means that we must spend our time on things that are important and not just the ones that are urgent. Knowing the difference will help us overcome our natural tendency to focus on urgent, unimportant tasks so that we can make time to do what’s actually essential for our success.

Urgent tasks are those that require immediate attention and are generally associated with achieving someone else’s goals. These are often the tasks we concentrate on first, yet they are usually not important to our long-term goals. For example, many people perceive a phone call as something that is urgent and one that that needs to be answered right away. However, completing this urgent task is not necessarily important and, often times, can be rescheduled to a later time.

Important tasks are those that contribute to our long-term values and goals. These tasks will help us advance our career and our well-being. They don’t have immediate deadlines, but you need to make an effort to complete them in order to achieve your goals.

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