105. Act Immediately

When you act the moment you find out that action is needed, and begin to practice this consciously and regularly, the habit of procrastination dies of starvation and no-one laments its passing.

104. The Law of Increasing Returns

Most people are familiar with the Law of Diminishing Returns. This states that after you reach a certain point in some situations the more you put in to a system, the less you get back. This point is called the point of diminishing returns and once you reach it, it is time to quit. Unlike this, however, the Law of Increasing Returns operates in the opposite fashion. Just as a farmer gains many more grains of wheat for every one sewn, for every service you render, you gain a multiple of that in return. This only works if it is done with the right mental attitude. If you do it unwillingly or resentfully or for your own profit you will gain nothing back. Only true givers gain.

This is another example of the indifferent action at work. If you do something simply because it needs to be done then it is clean and attracts no karmic energy either good or bad. This opens a path in your karma or sanskara, allowing pure consciousness to light your path. In contrast, a good action will attract good sanskara and a bad one will attract the bad. These clutter up the life and can make things difficult for you. Better to look for no reward unless you are working in a formal arrangement for pay.

103. Personal Initiative

Constantly practice going the extra mile. When you unwrap a box, put the paper in the bin before you do anything else. This is taking responsibility and is called personal initiative, a part of your personal power. You don't have to be told what to do when you have this quality.

102. Great Minds

There have been many great minds in the past. Many of them have left behind biographies and auto-biographies. Study these. Learn to think like them. Among these heroes are Leonardo da Vinci, Albert Einstein, Alan Turing,Alexander Graham Bell, Thomas Edison, Tony Buzan and Buckminster Fuller.

http://plato.stanford.edu/entries/turing/
http://www.turing.org.uk/turing/
http://www.turing.org.uk/
http://www.mos.org/leonardo/
http://litemind.com/how-to-think-like-leonardo-da-vinci/
http://www.bfi.org/
http://www.buzzle.com/articles/facts-on-thomas-edison.html
http://www.ideafinder.com/history/inventors/edison.htm
http://www.thinkbuzan.com/ie/?utm_nooverride=1&gclid=CIy-lpHQnaMCFRQ8lAod60SbnQ
http://fi.edu/franklin/inventor/bell.html
http://www.alexandergrahambell.org/
http://www.alberteinstein.info/
http://nobelprize.org/nobel_prizes/physics/laureates/1921/einstein-bio.html

101. Intelligence drives the Universe

The process of making a watch requires a deliberate organised intelligence with a definite plan of action. So does the Universe and everything in it.

100. Selfishness

Impatience with others is a visible expression of selfishness and lack of self discipline. So too is a constant display of defeatism. You do no favours to anyone by harping on your recent misfortunes or those of your distant past.

99. Mental Attitude

You have complete right of control at all times over your mental attitude.Only you have this right. Others may and indeed will try to hijack it on you and try to manipulate you for their own purposes, usually to your great disadvantage.Do not permit this.

98. Budgeting and Time Management

Learn to budget both your time and your money. Make each moment count and lead you towards your objectives - not away from them.

Budget your money as this is the fuel you will use to reach your goals. Make sure you use it to your best advantage.

97. Purpose

Be clear about your purpose(s). Have a definite set of goals and aims. Keep them clearly in view at all times. Do not allow yourself to be deflected from your path.

If you do this you will have :

* Self Confidence
* Self Reliance
* Self Discipline
* Personal Initiative
* Imagination
* Enthusiasm
* Concentrated Effort.

96. Vocabulary

It is vital to amass a large vocabulary. Words are tools. The more words you collect, the more jobs you can do. For the purposes of generating wealth, the greater your business vocabulary, the greater your earning potential. Apart from the clinical, intellectual knowledge of the meaning of your words, it is important that you learn to feel the emotional and physical import of the words that you acquire. Average vocabularies are in the 9,000 word range and this is more than adequate for most purposes (e.g a working knowledge of a foreign language). William Shakespeare is said to have had 30,000. The more words you can acquire, the finer the distinctions you can make. Vocabulary then is a gateway to raising your I.Q.

95. Learning, Meditation, Prarers, Answers

You have within you the greatest Teacher there is, your own Higher Self. This Self is always with you, whether or not you feel it or are aware of it. When we go inside in meditation and ask for guidance, truth, support, love, encouragement or strength, they begin to come to us in the right way.This is not always the way we (our egos) think they should.

94. On Guilt about being Wealthy

Always remember that God loves the rich and the poor equally.

93. Winning Formula

Once you find your winning formula for life work it hard but don't be surprised if some day it stops working for you. Principles are eternal, formulae are not. Not this kind anyway. Things change and what worked well ten years ago may not work today. If this should happen to you, it does not mean that you are a failure or that your formula was wrong, it just means that things have changed. Always recognise the possibility and have plans B,C,D,E and F in place. Remember too that the good is often the enemy of the best and by working blindly to a good formula, you can be missing out on the best one that's right under your nose !

92. True Education

If your true education begins once you leave the formal teaching enviornment then make sure you become a life long learner. Always have some educational project on hand. Keep books and notes in your car, keep tapes and discs with good content with you and be aware of the documentaries of interest to you coming up on t.v. Engage in courses and workshops where appropriate. Be discriminating and pick only the best; design your own curriculum every year. Avoid the trap of becoming a "workshop junkie" attending every "seminar" provided by the strolling players who populate the new age lecture circuit. Only go to the ones you know will be useful.

91. Banish the Fear

Banish forever the fear of making mistakes. Otherwise you will never want to do anything or try anything new and your life will close down to a miserable, narrow band of experience.

90. Intelligence

How do you define Intelligence?

The best working definition I have found so far for intelligence is the ability to make finer and finer distinctions. The moment we can divide a subject in two, we have increased (doubled) our intelligence with respect to that subject. If we keep dividing, our intelligence keeps increasing. This is called Quantum Learning.

89.Liberal Arts Education and Scientific Education.

The value of a liberal arts college education or a scientific education is that they make you think ! They train the mind to think clearly and logically.

88. The Purpose of Your Financial Education - Your Financial I.Q.

Your financial education is a tool box that allows you to convert the maximum possible percentage of the money you earn by working at your profession into capital that will provide you with life-long wealth and security.

The purpose of educating yourself financially is to raise your Financial I.Q.

Financial I.Q. is not about how much money you make but about how much you keep and for how long and how hard it works for you.

You know that your Financial I.Q. is increasing when your money is buying you more freedom, happiness, health, fun and choices in life than before. The reason people say that money is power is that it gives you more choices.

Remember, the more you NEED money, the less power you have. You have power over money - never become a slave to it.

It is a grave mistake too, to ever think of yourself as poor. If you have no money, you are merely broke. Being broke is temporary, being poor is eternal. Remember this because it is a very important distinction.

Never say "I can't afford it." Rather, you should ask yourself "How can I afford it?" This has the effect of forcing your mind to focus on the solution, not the problem an to think for its self. The other way leads the mind to accept the statement and give up trying.

87. Success and what causes it

Success is the result of Good Judgment.
Good Judgment is the result of Experience.
Experience is often the result of Bad Judgment.

This is quite true but don't let it be the excuse for repeated bad judgment. Make sure that you learn from every mistake !

86. True Decisions

The word decision comes from Latin. De = from + cidere = cut. The meaning is to cut oneself off from all other possibilities. Burn your boats. A decision will only be true if it is made in this spirit. When your boats are burned, the only way left to you is forward. When you make a true decision, there is no possibility of failure. This is the difference between being a strong minded leader and being weak minded and ineffectual. Your life is shaped by the decisions you make. All your decisions should be conscious. i.e. you should be fully aware of the things you are comitting to and the consequences involved whenever you take a decision. Make decisions often.

85. Setting Your Standards

If you don't set a baseline standard for what you'll accept in your life, you'll find it easy to slip into attitudes and behaviours for a quality of life that is far below what you deserve. A good place to start is to list all your values and then sort them by priority. E.g. do you value Love more than Friendship or Wealth etc. ?