Why your personal philosophy for life really matters

03/23/2025 by

Let’s talk about philosophy for life and what it matters.

An article relating to philosophy sounds like it might prove to be a little heavy, doesn’t it, dear reader? You might think I’ll be debating the merits of Plato, Socrates, and other thought-leading philosophers. Not today, that’s for sure. My aim today is to consider the idea of your personal philosophy for life and why it matters.

Personal philosophy explained:

What do I mean by ‘your personal philosophy‘?

In this case, I’m not referring to the fundamental nature of knowledge, reality and existence, and philosophical thinkers, past and present.

By philosophy, I’m referring to your mindset, whether it’s positive or negative, and how you choose to see the world around you.

I believe personal philosophy really does matter.

I think how you choose to look at life and the world around you will influence your life experiences to a greater degree than you might expect. It’ll also influence how happy you’ll be.

A simple philosophy:

My own personal philosophy for life is simple.

Firstly I accept the world around me is the world around me. It is what it is. Stuff happens and I have little or no control over most of what happens. That’s just life.

Politicians will come and politicians will go. They’ll promise much but deliver very little, usually.

Philosophically I accept that which I cannot influence directly. I see little point in worrying about any of it. Why worry about stuff you can’t change?

In my experience, people will always look after their own interests first.

That’s fair enough if you think about it because why would they do otherwise? If people don’t look after their own interests then no one else will that’s for sure.

The underlying point here is that most of what’s happening around us is all just noise really. All we can do is work around it.

And basically, that’s what I try to do.

Work on improving what you have to offer:

I focus on my own interests and those of my family and I always do my best to protect what’s mine.

My family will always come first and I will do anything for them. Well, anything that’s legal, at least.

To do the best for my family I recognise that I have to be the best that I can be. To have skills and knowledge that will allow me to add as much value to my work as I possibly can.

So I take personal development seriously. That way the more value I can add the greater will be my income.

I’m a reader and a keen learner and I’m constantly working to add to my skill set and knowledge. Learning for me is a lifelong process, it never stops, and I will keep learning until I no longer have the energy to pick up a book.

Learning is an investment in yourself.

I believe that the better-informed you are then the better prepared you’ll be to excel in your chosen field of work. You’ll also be better prepared to seize any opportunities that come your way too.

Income comes from serving other people:

Let’s face it, dear reader, work is just doing stuff for other people in exchange for money. Through our work, we serve other people.

We work to generate income. And we generate income to put bread on the table and a roof over ourselves and the heads of our loved ones.

While work gives us a sense of purpose and adds value to our lives, we should not live just to work. The idea should be to work to live. Well, I think so anyway.

Become financially independent:

We must work hard when we’re at work, of course, but we must enjoy life with the family as much as possible too. As they say, where I come from, we’ll be a long time dead.

My aim in life is to be financially independent with multiple income streams.

With multiple income streams, there’s a reduced risk of not having any income at all. Not having all your eggs in one basket makes a lot of sense to me.

Master the game of life:

Essentially, I see life as a game. And I aim to become a master of the game of life.

We must look after our own interests because no one else will.

We must be prepared to be ruthless when necessary. By that, I don’t mean being nasty or mean to people. However, if you don’t push hard sometimes, chances are you’ll lose out to those who are willing to make good use of their elbows.

My point is that we can’t afford to be overly sentimental, and on occasions, in making the right decisions for us it may prove to be less favourable for someone else.

If that happens, that’s life, I’m afraid. We must make decisions that are right for us.

Never lose sight of your own interests:

Sometimes you really have got to be prepared to use your elbows if you’re going to grab your fair share of life’s pie. Don’t be too willing to let other people go first. You might find there’s nothing left for you.

As always there’s a balance to be struck of course but never lose sight of your own interests and never do anything which works against your own interests.

There is no utopian place where all’s well and the sun shines every day. Life’s life. Some of it’s good and some of it’s not quite so good.

However in the end it’s what we make of it that counts. We get out what we put in. There’s no free ride for anyone. On Spaceship Earth we’re all crew.

Don’t let life steal your joy:

All you can do with life is deal with it as best you can.

Enjoy the summers but make sure you’re prepared for the winters too. There will always be winters. Winters always follow summers, so be prepared.

Enjoy the good times and when life gets difficult all you can do is take it on the chin and move on.

Worrying about anything you cannot control just steals your joy and spoils your day.

Life’s too short.

Do what you can, with what you have, where you are and most of all enjoy every minute because the years all go by in the blink of an eye. So don’t die before you’ve lived.

And always make time for friends and loved ones. Without them, you have nothing at all.

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15 truly inspirational quotes that are thoughtful and deep

03/20/2025 by

We can all use a little inspiration occasionally; I’m sure you’ll agree, dear reader. So here are what I believe to be 15 truly inspirational quotes.

Certainly, I think they’re thought-provoking and worth a few minutes of your time.

Enjoy them all and feel free to pass them on.

TRULY INSPIRATIONAL QUOTES

Truly Inspirational Quotes (1-5):

  1. Never doubt that a small group of thoughtful, committed citizens can change the world; indeed, it’s the only thing that ever has. ~Margaret Mead
  2. If you have made mistakes, even serious ones, there is always another chance for you. What we call failure is not the falling down, but the staying down. ~Mary Pickford
  3. It’s really important for children to have good morals and good manners, and that they’re thoughtful of other people and that they learn the consequences of their actions. ~Jerry Hall
  4. Gay people are the sweetest, kindest, most artistic, warmest and most thoughtful people in the world. And since the beginning of time, all they’ve ever been is kicked. ~Little Richard
  5. Before you speak ask yourself if what you are going to say is true, is kind, is necessary, is helpful. If the answer is no, maybe what you are about to say should be left unsaid. ~Bernard Meltzer

Truly Inspirational Quotes (6-10):

  1. Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, vision cleared, ambition inspired, and success achieved. ~Helen Keller
  2. We must protect the very things that make America so special – most certainly including our civil liberties. But we cannot do so without strong national security and thoughtful and informed discourse. ~Mike Pompeo
  3. Have patience with all things, but chiefly have patience with yourself. Do not lose courage in considering your own imperfections, but instantly set about remedying them and every day begin the task anew. ~Saint Francis de Sales
  4. I used to hear on the radio people like Jack Benny or Bob Hope, but I never had any interest in their type of humour. I thought that I could do something more substantially meaningful with significant, thoughtful, analytical reflections on real-life situations. ~Jackie Mason
  5. In a president, character is everything. A president doesn’t have to be brilliant. He doesn’t have to be clever; you can hire clever. You can hire pragmatic, and you can buy and bring in policy wonks. But you can’t buy courage and decency. You can’t rent a strong moral sense. A president must bring those things with him. He needs to have, in that much-maligned word, but a good one nonetheless, a vision of the future he wishes to create. But a vision is worth little if a president doesn’t have the character – the courage and heart – to see it through.  ~Peggy Noonan

Truly Inspirational Quotes (11-15):

  1. My guiding principles in life are to be honest, genuine, thoughtful, and caring. ~Prince William
  2. Writing in a journal reminds you of your goals and of your learning in life. It offers a place where you can hold a deliberate, thoughtful conversation with yourself. ~Robin S. Sharma
  3. This year, I will be more thoughtful of my fellow man; exert more effort in each of my endeavours professionally as well as personally; take love wherever I find it and offer it to everyone who will take it. ~Duane Allman
  4. We are losing sight of civility in government and politics. Debate and dialogue is taking a back seat to the politics of destruction and anger and control. Dogma has replaced thoughtful discussion between people of differing views. ~James McGreevey
  5. There are many who are not guilty of doing anything wrong but very guilty of sins of omission – the things they neglect to do – the good things – the kind, thoughtful words, compassionate thoughts, and hopeful attitudes they might have had towards their neighbour. ~Mother Angelica

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If you like it, please share it with your friends on social media.

People love truly inspirational quotes, so please share this post now.

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Thank you for your support, dear reader.

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65 facts about life that few people ever mention

03/17/2025 by

If you’re looking for facts about life, dear reader, this post is for you. Here are some facts that rarely, if ever, get a mention.

Some people will argue that this list is subjective. However, in my experience, the facts I offer you today are all true.

Take a look at them all and see what you think. And please feel free to pass them on.

Facts About Life

Facts about life (1-20):

  1. There’s no such thing as easy money.
  2. If you don’t go for it, you won’t get it.
  3. You cannot debate with those who despise you.
  4. Your opinion is just as valid as the next person’s.
  5. In wanting to appeal to everyone, you’ll appeal to no one.
  6. Sometimes, the road less travelled is less travelled for a reason.
  7. You’ll be remembered not for what you got but for what you gave.
  8. Create your own job, and you’ll never be threatened by layoffs again.
  9. Life’s tough for everyone, and for many people, it’s very tough indeed.
  10. Free speech is the right to express opinions to which others may object.
  11. Rarely do people appreciate what they have until they no longer have it.
  12. If a lie is repeated often enough, eventually it becomes accepted as the truth.
  13. Just because it matters to you, it doesn’t mean it must matter to me, too.
  14. People should be judged by their character and the contribution they make.
  15. The public will get what it tolerates. An easy life comes at a significant price.
  16. We live on in the hearts we touched and within the people for whom we mattered.
  17. You don’t decide your future. You make choices, and your choices decide your future.
  18. By definition, a fact is a fact, and ignoring a fact doesn’t mean it ceases to exist.
  19. You won’t find true happiness in material things. Happiness lies in love and laughter.
  20. Blessed are the young, and those not born yet, for they shall inherit the national debt.
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Facts about life (21-35):

  1. The unquestioning acceptance of fashionable dogma is not the mark of great intellect.
  2. To believe is to accept unquestionably as fact that which cannot be demonstrated to be fact.
  3. People will believe what they want to believe, regardless of whether they can be sure it’s true.
  4. People who demand tolerance from others are frequently the most intolerant themselves.
  5. You’ll be judged not on what you say but on what you do. Talk is cheap, but only results matter.
  6. We’re not defined by the circumstances into which we were born. Life can be better if we make it so.
  7. Your years on this earth will teach you far more than you could learn in any university or college.
  8. All good ideas are eventually infiltrated and ruined by the attention-seeking few with their own agenda.
  9. In the po-faced, new-puritanical era in which we now live, we’re losing the ability to laugh at ourselves.
  10. With gambling, there’s only one winner consistently, and that’s the casino. That’s why they’re in business.
  11. It doesn’t matter what you do or how well you do it, there’ll always be someone who will criticise you.
  12. Success is enjoying what you do while having sufficient money to live your preferred lifestyle comfortably.
  13. Being too nice is not virtuous; it’s naive, bordering on foolishness, and it creates more problems than it solves.
  14. As long as we’re not hurting anyone else, then how we choose to live our lives is no one’s business but our own.
  15. If something cannot be subjected to scrutiny and criticism, then it’s probably not a good idea in the first place.

Facts about life (36-45):

  1. People will always have problems in need of solutions. If you can be that solution, you can make a good living.
  2. When your opinions run counter to the fashionable dogma of the day, you’re unlikely to get a fair hearing in the media.
  3. Past wrongs cannot be righted. All we can do is learn from any mistakes made and endeavour to do better next time.
  4. No job is more important than being a good parent because parents nurture the next generation, and children are the future.
  5. A promotion at work is not a reward for what you’ve done in the past; it’s an opportunity to show what you can do in the future.
  6. When everything’s going well and you’re feeling like you can do no wrong, think twice. You’re more vulnerable than you realise.
  7. We live in a world of Orwellian ‘newspeak’ where we’re expected to accept as fact that which everyone knows is complete nonsense.
  8. The world is full of Charlatans and con artists, all claiming to know what’s best for the rest of us. They should all be challenged constantly.
  9. Having a fancy job title doesn’t mean you’re more important than someone else. A job is just a job, and we all add value in our own way.
  10. We have to deal with reality as it is and not how we like it to be. So, we must protect ourselves and our interests because no one will do it for us.

Facts about life (46-54):

  1. Extreme political movements are usually a lot of useful idiots led by a few sinister people with an agenda that’s in no one’s interests but theirs.
  2. We’ll keep making the same mistake until we learn the lesson the mistake was intended to teach us. Life is a classroom, and the lessons never stop.
  3. A question asked comes with no obligation to provide anything other than a polite response. Remember that should you ever be grilled by the media.
  4. Remaining loyal to the circumstances into which you were born is not a noble act. Just because you were born poor doesn’t mean you have to remain poor.
  5. We live in an age when a lack of knowledge or expertise doesn’t mean people will not have an opinion on a given issue that they expect to be taken seriously.
  6. It’s for us to give our lives meaning. To leave a legacy by doing something that’ll add a little value to the lives of others and make the world a slightly better place.
  7. If you don’t tend to your own garden regularly, it will be quickly attacked by noxious weeds. Life’s like that too. We must all take good care of that which is precious to us.
  8. An employer will replace you in a heartbeat, should you pass away, but to your loved ones you can never be replaced. That should tell you where your priority should be.
  9. History serves as a series of lessons to us all. We cannot be selective about what we include in our history, otherwise, we risk forgetting the lessons and making the same mistakes again.

Facts about life (55-60):

  1. Drawing attention to injustices, wherever they are, really can make a difference. So don’t be afraid to call out those who seek to harm others for doing nothing other than expressing an opinion.
  2. To remain silent is to be irrelevant. A quiet life will come at a cost to you. The cost is people with louder voices moving the world in a direction you may not like. Speak up or live with the consequences.
  3. In a totalitarian world dissenting voices must be crushed ruthlessly or they might influence others to express dissent too. Political ideologues demand subservience and dogma accepted without question.
  4. If your job can be done from anywhere, then someone anywhere can do your job? So, if a company is looking to reduce costs, in order to increase their profits, jobs will be moved to wherever in the world labour is cheapest.
  5. Extreme ideology can pass into the mainstream and take hold if we’re all too complacent to stay on top of what’s going on. If we’re asleep at the wheel, life can quickly become a car crash and we’ll only have ourselves to blame.
  6. If we judge previous generations through the prism of modern sensibilities, they’ll always look bad. They lived in their time and we live in ours. We cannot know what their lives were really like, so we cannot judge them fairly, nor should we try.

Facts about life (61-65):

  1. It doesn’t matter how good a job you do, others will take credit for your contribution long after you’ve gone, but you’ll be the person responsible for any problems, regardless of whether you actually had anything to do with any of them or not.
  2. Celebrities are nothing more than skilled media manipulators who profit from the public’s gullibility by constantly maintaining an image with the aim of creating the illusion that they’re something special when in fact they’re nothing special at all.
  3. The problem with social media today is that far too many people feel the need to express opinions consistent with the latest fashionable dogma currently trending regardless of whether they actually have any significant knowledge of the subject at all.
  4. Unless your ambition is to secure a job for which having a degree is mandatory, then you’re probably wasting three years of your life and $75,000 of debt by going to university nowadays. You’re unlikely to get a return on the debt you incur, so consider your options carefully.
  5. They say that those with the gold make the rules. Well, if you’re not being served in the way you feel you should be, then whoever’s providing you with that service can be reminded of the purchasing power you hold in your hands by a simple boycott. You don’t have to accept the unacceptable.

Please share this post with your friends:

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If so, then please share it on social media with your friends. When you share, everyone wins.

So go on, please share this post now. If you do I’ll be forever grateful and you’ll be helping a keen blogger reach a wider audience.

Thank you for your support, dear reader.

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8 Top Business Tips for Success Today

03/16/2025 by

Business tips for success:

I read an article recently about a guy with a college degree who was disillusioned because he couldn’t find a job. At least not one that met his expectations relative to the type of job and income he felt his degree merited.

Well, it’s a tough world out there, as I’m sure you know only too well, dear reader. Despite what some people may think, the world doesn’t owe us a living. The world owes us nothing, and it’s down to us to make a life for ourselves.

Work is just doing stuff for other people in return for money and there will always be people with stuff that needs doing. So rather than seeking a job, perhaps we’d all be better off if we focused on seeking customers for services we could provide.

That’s at the heart of what business is all about, providing people with solutions to their problems for profit, and there’s much to be said for becoming an entrepreneur.

So today let’s explore some business tips for success, for all those wannabe entrepreneurs.

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The advantages of self-employment:

There are many advantages to being self-employed.

For instance, not having to deal with office politics is a big advantage.

And of course, being the beneficiary of all of the proceeds of your hard work is another good reason.

Instead of making a lot of money for other people, you could be making it all for yourself. The harder you work, the more you make for yourself too.

Unless you’re a lawyer or an investment banker, the chances are the only way you’ll ever make serious money is through building your own business. Building a business that, perhaps, you’ll be able to sell for a lot of money one day.

However, remember this; you might think that if you’re self-employed then you’re your own boss. Well, that’s not true. The customer is the boss, always.

Serve customers badly and you won’t be serving them for very long, that’s for sure.

The first rule of business is that you must know your customer.

You must gain a deep understanding of the products, services, and marketing that will appeal to your target customer.

One size will not fit all and each market will require a different approach.

Now going into business is not for the faint-hearted. You must be prepared to work very hard, at least in the early days, when you’re trying to establish your business.

However, if you can provide your target customers with real solutions to real problems then you can make serious money.

If someone else is already offering a solution to the target problem, then your solution must be better or cheaper than theirs in some way, if it is to sell.

Creating great products and offering great customer service is the route to business success.

However, never forget your reputation and image. These things matter too.

Make sure you create an image that will appeal to as wide an audience as possible. Running your own business will be a challenge but it can also be extremely rewarding, both financially and in terms of a sense of achievement.

Remember also that running a small business is not a whole lot different to running a large business. The only real difference is one of scale. The key issues are always the same.

So here are some top business tips for success for would-be entrepreneurs:-

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Top business tips for success today:

1. Control your costs:

Of the many business tips for success I could suggest, none can be more important than keeping an eye on the money.

Money comes into your business and money goes out. It’s that simple.

However, if you fail to ensure that the former is always greater than the latter, at least for most of the time, then trouble will follow at some point, whatever the size of your business.

Big businesses might be able to weather the storm a bit longer but the consequences of expenditure consistently exceeding income will be the same. Keep losing money and eventually, your business will go bust.

Take every opportunity to maximize your revenue and always keep your costs as low as you can. And never, ever lose sight of cash flow.

Don’t spend money unless it is necessary.

Ask yourself, do I need to spend this money? What will I get in return? Can I achieve the same result at less or even no cost?

It might surprise you to learn how frequently it is possible to avoid the cost, whilst still doing all the things big businesses do.

The key message here is that you must keep an iron grip on costs and you must manage cash flow carefully.

2. Do your own market research:

Every product should solve a problem for your customer and you should have some idea of what that problem is and how your product will solve it relative to other products offered by your competition.

Just because you think you’ve got a great product, doesn’t mean customers will see it that way. Your opinion means nothing if there are not enough people willing to buy your product at the price you want to charge for it.

If your product won’t sell then potentially your business could be in trouble.

Perhaps you think you’ve spotted a gap in the market?

If it’s a genuine gap then you might be on to a winner. However, a gap in the market doesn’t always guarantee that there is a market within that gap. Maybe there’s a reason for the gap which you’ve yet to understand.

In business, the trick is to find out what people want and then offer it to them.

How do you find that out?

One very good way is simply to ask them yourself.

I’m not referring to your family and friends here. They’ll be far too polite to give you any meaningful feedback.

You must talk to real customers, if and when you have them, and potential customers.

You can conduct some of your own market research in your local shopping mall or wherever you think your target customers might congregate. And don’t be shy. Only by talking to people can you confirm whether your ideas have real potential.

So, identify some basic questions, stand there with a clipboard and just start asking people, as politely as possible.

Often people will be far more helpful than you might expect.

And don’t forget you can always use the Internet too.

Search engines like Google have keyword search tools that are free to use. These tools allow you to get a ‘rough and ready’ measure of what people are searching for and how frequently.

And don’t forget social media. Facebook, Twitter, Reddit, and Quora, for instance, can be great channels for asking questions, so you can gauge what people think.

Market research doesn’t have to be expensive. As a small business entrepreneur, it is possible to do it yourself. You don’t have to spend a lot of money on this activity, but you must do it.

Your results might not be quite as scientific as those produced by professional market research people, but they will provide you with a rough guide and that’ll probably be good enough in the first instance.

3. Advertising costs money: is there a better way?

Another of the most important business tips for success has to be visibility. I cannot stress highly enough that visibility matters, both for your business and your products. It’s crucial.

Your products might be the best in the world, but they won’t sell at all if potential customers have no idea they exist. Surely that much is obvious.

The question is, how does any business ensure that customers have visibility of its products? The obvious answer is advertising of course.

However, media advertising can be costly, and it’s a cost that new businesses often cannot afford.

One small advert in the back of a glossy magazine can cost you a lot of money and yet you have to ask yourself whether that would be money well spent.

How often do you notice the small advertisements on the back of a magazine? In my case, the answer is not very often.

With so many advertisements competing for my attention, I tend to filter them all out. I’m willing to bet that you do too dear reader.

So, if you’re not careful, money spent on advertising can be money wasted in my experience.

A better approach might be to use some creative thinking with a focus on public relations.

Smart entrepreneurs know that business is show business. It’s all about getting noticed.

For example, the entrepreneur Richard Branson is a brilliant exponent at getting media attention at little or no financial cost to his business.

It helps that he’s a likeable guy, of course, but he’s also clever and creative in his approach.

If you have an interesting back story, perhaps the local press, local radio or even television might be willing to run a story on you and your business and the products you have to offer.

Social media can be a powerful medium for gaining attention for your business too.

Social media is also a useful way of driving traffic to your company’s website, particularly Pinterest, which is an incredible tool, in my opinion.

Then there’s using search engine optimization (SEO) techniques on your website content to ensure you drive traffic to your site from the search engines.

Let’s face it, you do need to appear on the first page of a Google search if there’s to be any chance of anyone noticing you and your business through search queries. So, if you can optimize your website for SEO, then you can get enormous amounts of traffic from Google and other search engines, like Bing and Yahoo.

Make sure you offer visitors to your company website the opportunity for signing up for a regular email newsletter. And give them the incentive to sign up.

This could be a free report or perhaps a discount code for one of your products.

How about running a competition using your company’s fan page on Facebook or your company website?

The price of a smartphone or a Kindle or other desirable electronic device as a prize would be cheaper than the cost of a small advert in a glossy magazine, but it’s more likely to get noticed and it’ll probably generate a lot more excitement.

If you have a car or van, don’t forget that it can be emblazoned with your company logo, your website details and product information on the back, sides and front. Even on the roof.

It would be free advertising as you’re driving around.

Park your vehicle at a big event attended by thousands of people and you’re beginning to master the art of guerrilla marketing.

The bottom line is that creative thinking and public relations can produce powerful results in your quest for visibility at a fraction of the cost of advertising. The key message is, be creative.

4. Don’t make yourself indispensable:

The biggest mistake any entrepreneur or business manager can make is to think that every decision should be made by them.

If you’ve started a business from scratch, you tend to form an emotional bond with it. It becomes your baby and you become very protective of it.

That’s natural of course, but as the business grows you’ll have so many things to do that you couldn’t possibly do them all.

You could try, of course. However, if you try to do everything you’ll find yourself falling behind in key areas like product sourcing, sales, and keeping your accounts up to date.

Fall behind, and it becomes very hard to catch up. Potentially it is also very damaging for the business.

So you have to learn the art of delegation.

A good start would be to document every task and process within the business and then create an Operations Manual. This can include everything from the preferred method for answering the phone to completing invoices and dealing with complaints.

It can also include the degree of flexibility which you are delegating to staff, so they can get on with basic tasks allowing you to get on with those activities which are much more important for achieving business success.

No business should be dependent solely on one person.

If it is, and that person gets seriously ill or has an accident, then obviously the business would be in trouble very quickly and it would struggle.

Delegate basic activities to your staff and you can be sure that the business will continue to function even when you’re not around.

It will also give you a bit more thinking time for steering the company towards bigger and better things.

The key message here is that you must delegate. Never delude yourself into thinking that only you can do a particular task.

5. Charge sensible prices:

If you’re to earn a decent income then any list of business tips for success must stress the importance of knowing the value you can add and know your worth too.

It’s easy when you’re a small business to undervalue your products and your time. The result is that you undercharge for what you have to offer.

This is particularly true when professionals are selling their expertise and time based on a consultancy arrangement.

It’s common for first-timers to lack the confidence to charge what they might perceive to be a high rate for their services.

The problem is that selling things cheaply can be counter-productive because customers then think they’re getting an inferior product or service and can be put off.

It is a fact that price can often be used as a proxy measure for quality when your business is being judged.

You have to be very business-like when considering the pricing of your products and services.

So look at what your competitors are charging and then analyse where you think your products and services fit into the market.

If you struggle with that idea, then you can always seek guidance from someone else, like a fellow business owner or your accountant.

However, you must always remember that you must believe in your products and services. If you don’t, then why should anyone else?

You must project confidence.

If you don’t have the courage of your convictions, then the chances are that your business will never succeed.

Believe in yourself and charge what you’re worth. Sell yourself based on the value you bring and the value you can add.

6. Make the best use of technology:

Sometimes small business owners think that because they are small they can only act in a small way. However, that can be a mistake.

Don’t be afraid to invest in your business. For instance, investing in up-to-date technology like the right phone system and websites, doesn’t have to be expensive but they can be the difference between a customer contacting you or not.

These days no business, large or small, can operate without a website.

And that website needs to be as user-friendly as it possibly can be.

Make sure your website provides customers and potential customers with the opportunity to sign up for a regular email newsletter. And as suggested earlier, offer them an incentive so they do sign up.

Ensure also that your telephone system allows customers to reach you at their first attempt. Certainly, customers won’t make too many attempts to call you before they’ll simply go elsewhere.

If you don’t know how to do all this yourself, then go on a course or seek guidance from someone with the right expertise.

Good communications will pay handsome dividends over time.

7. Set goals:

Another in this list of business tips for success, that I want to stress here, is the importance of goal-setting.

You have to know what it is you’re trying to achieve if you’re to have any chance of successfully achieving it.

Never set your sights too low either. Set yourself a challenge and then put all your energy into achieving it.

Once you’ve set a goal then you need to establish a plan as to how it is going to be achieved.

For instance, if your goal is to achieve a certain level of turnover over the next year, you have to break that down into the small steps you will need to take for it to be achieved.

How many sales will you need to achieve each day, each week, and each month?

What implications will those sales targets have for production?

Do you have enough sales staff to generate that amount of business?

And so on.

Always create a plan and review it regularly, making adjustments as and when necessary.

8. If you got a great idea, then do something with it:

How many great ideas never see the light of day because the person with the idea fails to do anything about it?

And how many times does someone with an idea see someone else come along with the same idea and beat them to market?

Let me give you an example. Two years ago I thought up a great idea for a tee shirt slogan. However, I was busy and so in the end I didn’t do anything about it. Fast forward two years, and the other day I noticed one of the best-selling teeshirts on Amazon was one bearing the slogan that I’d thought up.

Someone else had the idea too, but they did something about it. And they’re now benefitting from the income generated. From my standpoint, a great opportunity was missed.

Procrastination stops many entrepreneurs from cashing in on a great idea. Don’t let this be you.

If you’re waiting for the perfect time to do anything, you will be waiting for the rest of your life. Now is always the perfect time to start.

Don’t wait until you think the economy will be better or your children have left home or some other arbitrary barrier.

The right time to start your business is right now.

So go for it. Yes, you’ll make mistakes. You won’t get everything right the first time. You won’t become an instant millionaire either.

However, by getting started you’ll be heading in the right direction and you’ll learn along the way.

Hard work combined with implementing good ideas will get you there eventually.

Concluding Remarks:

I hope these business tips for success prove useful to you, dear reader.

However please note, this blog post was not intended to be a comprehensive guide for entrepreneurs.

You’ll find many excellent books on the subject and I recommend that you make a point of reading as many of them as you can because educating yourself is always a good idea.

It doesn’t have to be formal education. Self-education can be just as good in practice. And then, of course, you can start creating your list of business tips for success.

And the best form of education, in my experience, is to learn by doing. You will make mistakes but the lessons learned from those mistakes will be far more valuable to you than anything anyone can teach you in a classroom.

Being an entrepreneur can be a roller coaster ride but it can be a fantastic and enriching experience too. So if it appeals to you, go for it.

Please share this post with your friends:

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So go on, please share this post now. If you can do that for me, I’ll be forever grateful and you’ll be helping a keen blogger reach a wider audience.

Thank you for your support, dear reader.

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10 tips for improving self-esteem 

03/09/2025 by

If tips for improving self-esteem are what you seek, dear reader, then you might find this article helpful.

Self-esteem is an important aspect of life as it affects how we think, feel, and behave. It is the confidence we have in ourselves and our abilities. And it’s the respect we have for ourselves too.

People with high self-esteem tend to have positive outlooks on life, while those with low self-esteem may struggle with insecurity and self-doubt.

Improving self-esteem can be a challenging task, but it is not impossible.

Here are 10 tips for how to improve your self-esteem:

Tips For Improving Self-Esteem
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10 TIPS FOR IMPROVING SELF-ESTEEM

1. Stop comparing yourself to others:

Everyone is on their unique journey through life, and you’re on yours. There is no comparison.

A major issue for people today is the way social media makes it almost inevitable that we compare ourselves to others. We see so much of what they’re doing every time we pick up our smartphones.

It can be easy to believe that they’re doing better than us. Then we fall into the trap of feeling inadequate or not good enough.

Remember, social media creates a false view of reality.

The idea that everyone is doing well except you is simply misleading. Everyone has their fair share of life’s problems, despite anything social media might suggest. Everyone struggles from time to time.

So, don’t compare yourself to what you believe others are doing. Instead, focus on your progress and accomplishments.

2. Embrace your flaws:

No one is perfect, and it’s important to remember that everyone has flaws.

Instead of focusing on your flaws and feeling bad about them, try to find ways to embrace them.

For example, if you have freckles, embrace them as a unique feature of your face.

Perhaps you’re not good with words. So what? There are plenty of people who are not good with words. So, make a joke about it rather than let it bother you. Make it part of your authenticity and personal charm.

3. Focus on the positive:

We can all find ourselves thinking about all the negative things in our lives. It’s human nature really, but focusing on the negative can have a detrimental effect on self-esteem.

So, instead, make a habit of focusing on the positive things in your life.

This can be as simple as writing down three things you are grateful for daily. There’s always something for which we can be grateful, even if it’s just a favourite television show or enjoying coffee with a friend.

4. Surround yourself with positive people:

We are the people with whom we mix. Human beings are social animals, and we live within groups. The people within those groups can have a significant impact on our self-esteem.

Being accepted by the group requires us to be a reflection of the other members. If they’re cynical, sarcastic, and negative, then we gradually become the same, if only to fit in. However, that negativity is not good for our self-esteem.

So, we need to spend time with people who uplift us and make us feel good about ourselves. Therefore, we must avoid those people who bring us down or make us feel bad about ourselves.

5. Treat yourself with kindness:

The way we talk to ourselves can have a big impact on self-esteem.

We must be kind to ourselves and avoid negative self-talk.

We must talk to ourselves as we would to a friend. If a friend came to us with a problem, we would be supportive and understanding, right?

So, why wouldn’t we want to treat ourselves with the same kindness?

We must always be kind to ourselves.

6. Set goals and achieve them:

Nothing boosts our confidence and self-esteem like an achievement.

So, setting and achieving goals can be a great way to boost self-esteem.

We start by setting small, achievable goals and work our way up to bigger ones.

As we achieve our goals, we start to feel more confident in ourselves and our abilities. It’s a virtuous circle.

7. Take care of yourself physically:

Our physical health and well-being are essential to self-esteem.

Taking care of ourselves is important for our overall well-being and can also help improve our self-esteem.

So, we must make sure we are getting enough sleep, eating well, and getting regular exercise. When we take care of ourselves, we feel better both physically and mentally.

8. Practice emotional self-care:

Our emotional well-being is as important as our physical health.

So, we must learn to take care of ourselves emotionally by taking time to relax and do the things we enjoy.

This can be anything from reading a book to taking a long bath, going for a walk, or listening to a favourite piece of music.

9. Learn something new:

When we possess knowledge, we tend to get the respect of others. And obviously, that’s good for our self-esteem.

So, learning something new can be a great way to boost self-esteem.

It can be something small, like learning a new recipe, or something bigger, like taking a class.

The act of learning something new can make you feel accomplished and can help to build self-confidence.

10. Give it time:

Remember this: self-esteem is not something that can be improved overnight.

It takes time and effort to build self-esteem, but by incorporating these tips into our daily lives, we can improve.

10 TIPS FOR IMPROVING SELF-ESTEEM
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Conclusion:

As readers will recognize, self-esteem is an important aspect of our lives, and it can be challenging to improve it.

However, if you follow these tips, you will start to feel better about yourself, and your self-esteem will improve.

And remember this: if you can only do one thing, be kind to yourself.

You’re better than you think you are, and the world is a better place with you in it.

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15 Funny quotes on friendship that’ll raise a smile

03/04/2025 by

If you’re lucky enough to have one good friend, then you are richer than you imagine, and if you have two then you’re truly blessed.

Friendship is a relationship of equals.

Real friends are people with whom you have a lot in common, especially when it comes to things that make you laugh and those times when you enjoy getting silly.

True friends are people who know all your faults but accept you as you are anyway.

Not everyone with whom you have a friendly relationship is a true friend. Some people are just very good acquaintances.

A real friend is someone you could phone at 3 am when you’re in trouble and know they’d be out to help you in a heartbeat.

Such people are worth their weight in gold, and you should never take them for granted. They’re special, and you should appreciate them being in your life because not everyone is quite so lucky.

Here are 15 funny quotes on friendship that, for me, touch on the very essence of what it all means.

Funny quotes on friendship:

  1. Friends are the chocolate chips in the cookie of life!
  2. Friends buy you food. Best friends eat your food.
  3. Friends come and go, but enemies hang around like a bad smell.
  4. When our phones fall, we panic. When our friends fall, we laugh.
  5. If you have crazy friends you have everything you’ll ever need.
  6. Never let your best friends get lonely. Keep disturbing them.
  7. You have a problem when your imaginary friend thinks he has a problem.
  8. There’s nothing better than a good friend, except for a good friend with chocolate.
  9. Friends come and go, like waves on the ocean, but true friends stay like an octopus on your face.
  10. A best friend is like a four-leaf clover, hard to find, but you’re lucky if you have one.
  11. Laughing is one of the best exercises. It’s like running inside your mind. You can do it almost anywhere and it’s even better with a friend.
  12. I’d walk through fire for my best friend. Well, not fire because that’s dangerous, but a super humid room. Well not too humid, because you know, my hair.
  13. I love making friends. I usually prefer to make them out of plaster and give them funny-looking hats.
  14. Dear Diamond, we all know who is really a girl’s best friend. Sincerely yours, Chocolate Cake.
  15. I hope we’re good friends until we die, then I hope we can stay ghost friends, walk through walls and scare people.

Poem about friendship:

Friendship is such an important part of our lives; I’m sure you’ll agree, dear reader. So, you might be interested in this poem I wrote on friendship and how I see it.

Please share with your friends:

If you found these quotes inspiring, interesting, and amusing, then please share this blog post on social media with your friends. When you share, everyone wins.

So go on, please share this post now. If you do, I’ll be ever so grateful.

Thank you.

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101 Proverbs that everyone should know

03/04/2025 by

There are thousands of proverbs from all over the world. These simple sayings express essential truths and exist in every language.

Most have become clichés, but they’re based on common sense and centuries of experience, and they’re no less valid for their overuse.

Here are 101 proverbs that I think everyone should know.

These proverbs can be very useful when you aim to emphasize a point. So, see how many of them you can work into your conversations today.

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101 Proverbs (1-25)

There’s no place like home

Beggars can’t be choosers

Opportunity never knocks twice at any man’s door

People who live in glass houses shouldn’t throw stones

Possession is nine-tenths of the law

A nod’s as good as a wink to a blind horse

A volunteer is worth twenty pressed men

Adversity makes for strange bedfellows

There’s honour among thieves

There’s no fool like an old fool

Caesar’s wife must be above suspicion

Don’t get mad, get even

The road to hell is paved with good intentions

Give a man enough rope and he’ll hang himself

Don’t put all your eggs in one basket

East, west, home is best

Every picture tells a story

Everyone wants to go to heaven but nobody wants to die

The price of liberty is eternal vigilance

A chain is only as strong as its weakest link

A change is as good as a rest

The proof of the pudding is in the eating

The way to a man’s heart is through his stomach

Faint heart never won fair lady

Fortune favours the brave

101 Proverbs (26-50)

Give credit where credit’s due

Children and fools tell the truth

Don’t cut off your nose to spite your face

He who sups with the Devil should have a long spoon

Hell hath no fury like a woman scorned

Once a thief, always a thief

Hindsight is always twenty-twenty

If anything can go wrong, it will

If it ain’t broke, don’t fix it

Into every life, a little rain must fall

It never rains but it pours

There are none so blind as those that will not see

There’s an exception to every rule

It’s better to travel hopefully than to arrive

The early bird catches the worm

Once bitten, twice shy

It’s the squeaky wheel that gets the grease

Judge not, that ye be not judged

Least said, soonest mended

Let the buyer beware

Lightning never strikes twice in the same place

Many a true word is spoken in jest

Many are called but few are chosen

Marry in haste, repent at leisure

Necessity is the mother of invention

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101 Proverbs (51-75)

Nothing is certain but death and taxes

Oil and water don’t mix

Old soldiers never die, they just fade away

One good turn deserves another

One volunteer is worth ten pressed men

Prevention is better than cure

Procrastination is the thief of time

Rome wasn’t built in a day

Still waters run deep

Stupid is as stupid does

Talk is cheap

The apple never falls far from the tree

The customer’s always right

Revenge is a dish best served cold

The Devil finds work for idle hands

When in Rome, do as the Romans do

Where there’s muck there’s brass

You can choose your friends but you can’t choose your family

You can’t make an omelette without breaking eggs

The darkest hour is just before the dawn

You can’t win them all

No pain, no gain

You’ll catch more flies with sugar than you will with vinegar

Never give a sucker an even break

You reap what you sow

101 Proverbs (76-101)

The Devil is in the details

The end justifies the means

To the victor go the spoils

The exception which proves the rule

If you want a thing done well, do it yourself

Imitation is the sincerest form of flattery

In the kingdom of the blind, the one-eyed man is king

The whole is greater than the sum of the parts

There’s no such thing as a free lunch

There’s no such thing as bad publicity

Familiarity breeds contempt

There’s nowt so queer as folk

There’s one born every minute

Time is money

There’s safety in numbers

Those who do not learn from history are doomed to repeat it

Those who live in glass houses shouldn’t throw stones

The pen is mightier than the sword

Those who sleep with dogs will rise with fleas

Time and tide wait for no man

Tomorrow never comes

Truth is stranger than fiction

There’s many a good tune played on an old fiddle

There’s many a slip ‘twixt cup and lip

You win some, you lose some

Youth is wasted on the young

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Remember, when you share, everyone wins.

So please share it now. If you do, I will be forever grateful.

Thank you for your support, dear reader.

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Types of debt and why they matter

03/02/2025 by

If you’re just starting your financial education, then a good starting point would be to understand the different types of debt and why they matter.

I categorize debt as either good debt or bad debt.

Understanding the difference between the two is essential if you don’t want to remain poor all your life.

Do you carry some debt, dear reader? If you do, you’re not alone.

Now you may think that debt is just part of life, and you may even believe that debt can’t be avoided.

Debt is certainly very hard to avoid; that much is true.

However, don’t forget that personal debt is a burden on us because it has to be serviced and eventually repaid.

Yes, it may be a burden you can’t avoid, but it’s no less stressful potentially for that technicality.

For emphasis, let me repeat, in my opinion, there’s good debt and then there’s bad debt.

The obvious question is: when is a debt considered bad debt? To put it another way, when is debt a bad idea?

Let’s consider some examples of debt.

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1. Secured Debt:

Buying a house is an example of secured debt.

When buying a house, most people need a mortgage, which is of course debt.

However, as long as you don’t overstretch yourself, mortgage debt is usually manageable for most people. And a lender will rarely allow you to overextend yourself these days.

With a mortgage, the debt is secured against your property, so the risk for the lender is small.

If you fail to repay the mortgage loan, a lender simply repossesses the property and sells it to recover their money.

So because the associated risk to the lender is low, interest rates on secured debt are low too.

Coupled with long repayment periods, typically around 25 years, the monthly repayments on a mortgage are not significantly different from what you might pay if you rent a property.

So, borrowing to purchase a property is good debt because eventually you’ll repay the debt and own the property, assuming you repay in full.

It’s good debt because it results in the long-term acquisition of a valuable asset.

You need a roof over your head, of course, so buying with a mortgage makes good financial sense because at least you’ll own the property in the future.

And with luck, you’ll enjoy some capital appreciation on the value of the property too. That’s not guaranteed, of course, but historically, that’s been the trend for those holding property assets for an extended period, certainly in the United Kingdom.

In summary, secured debt bears the lowest interest rates and leads to the acquisition of a valuable asset. So in my opinion, that makes it a good form of debt.

2. Unsecured debt:

When is debt a bad idea? The simple answer is that when it’s an unsecured debt.

And what’s unsecured debt?

It’s a debt against which nothing valuable has been put up as security.

If the borrower fails to repay, the lender has nothing it can repossess to sell on to recover the balance outstanding. So for the lender, that represents increased risk.

And because unsecured debt has no form of security to compensate, the interest rate charged by the lender will be high, and sometimes very high.

The interest rate charged reflects the risk to the lender. The higher the risk, the higher the interest rate applied.

Lenders recognize that there’s a risk that a proportion of their clients will fail to repay unsecured loans, so those who do make the repayment in full have also paid a premium to protect the lender from any losses they might have incurred due to non-payment by others.

There will be occasions when unsecured debt is unavoidable.

For instance, young people just starting out might need some basic items of furniture for their homes. A bed would be a good example. You must have one, and if you can’t afford it, then you might need to use a hire purchase arrangement. Handled with care, then this shouldn’t be a huge problem. But care is essential.

3. When is debt a bad idea?

So when is unsecured debt a bad idea?

Put simply, when you start buying with unsecured credit that which you could live without. That gadget you couldn’t resist or those shoes that looked nice in the store. Non-essentials you could have lived without until you had saved the money to pay for them.

You know the experience, I’m sure. You see something you can’t resist, out pops your flexible friend, and an impulse purchase is made before you’ve thought about whether it was a good idea or not.

The reckless use of credit cards, store cards, and payday loans can be a disaster because this type of debt is not secured against anything, so naturally, the associated interest rates applied are very high.

Credit card or store card debt can bear interest rates of around 30% or more.

In the UK, payday lenders have been known to charge interest rates equivalent to 3000%, 4000%, or even 5000%.

I find it hard to believe people fall for these loans, but they do. I guess if people are desperate sometimes, perhaps they feel they have little choice.

4. The magic of compounding:

Why does this matter? The simple answer is the magic of compound interest.

The compounding effect of high rates of interest will quickly turn small sums borrowed into enormous sums owed.

For instance, if you borrow $1,000 at 3% interest, after five years you’ll owe $1,159, assuming nothing was repaid.

However, if you borrow $1,000 at 35% interest, then after five years you’ll owe $4,484, again that’s assuming nothing was repaid.

The difference is a massive $3,325. And more importantly, the value of your debt has also quadrupled.

So when interest rates are high, even if you make minimum payments, your debt can grow rapidly if you’re not careful.

And that’s when you can become enslaved by your debts.

And that’s why it matters. Ultimately, this burden can become very stressful.

5. Manage your money:

Far too many people borrow money in the form of unsecured debt to purchase discretionary items. That’s items they could live without if push came to shove.

Wasting money in this way is a bad move. Not just bad; it’s seriously stupid.

I recommend that you follow this simple rule:

If you can live without it, never use debt to buy it.

Yes, of course, it’s nice to have the latest smartphone or the latest television or whatever but is it worth the pressure of unnecessary debt?

When high rates of interest start pushing up the sum outstanding significantly, you have to ask yourself, will the burden of this unnecessary debt still seem worth it? I doubt it.

Wouldn’t it be better to wait until you’ve saved up the money to make the purchase instead?

Wouldn’t it also be cheaper in the long term to save up and buy the product when you have the money? You’ll appreciate the item so much more too.

The message is simple:

Manage your money or your money will manage you:

6. Debt is a form of slavery:

Being indebted is just a form of slavery. It’s as simple as that. And, once again, that’s why it matters.

For as long as you owe money, you can never be truly free.

If you’re debt-free, then you’re stress-free too. Wouldn’t you prefer to be debt-free and stress-free?

Good debt will help you, but bad debt will make your life a misery.

7. Conclusion:

Put simply, there are two types of debt, good and bad.

Debt is either secured or unsecured.

Interest rates on the former will be relatively low, whereas interest rates on the latter can be very high.

Interest rates matter because of the compounding effect.

Unsecured debt can be the road to the poor house, particularly if you use it to buy the stuff you could live without with credit that bears interest rates that are very high.

The type of debt that’s bad will enslave you, and it’ll become increasingly stressful.

If you only take one message away from this article, it is to avoid bad debt.

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When you share, everyone wins.

So please share this post now. If you do, I’ll be forever grateful. You’ll be helping a keen blogger reach a wider audience, and that’ll be your good deed for the day.

Thank you.

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How to make the most of your future

03/01/2025 by

How to make the most of your future? A question we all ask ourselves occasionally, I’m sure.

We worry about the future because increasingly the world seems such an uncertain place. There are times when it seems completely crazy.

In many ways, the future is uncertain, but then again, it’s a lot more predictable than you might think.

I’m often asked what I think the next 10 years will be like. The answer’s simple; the next 10 years will be pretty much like the last 10 years and the years before that, I think.

Future years:

Think about it. The next 10 years will just be a constant stream of challenges with a lot of problems to be solved.

That’s how life’s always been, surely? And that’s good news for us all. Why?

It’s good news because it’ll ensure that there’s a constant stream of opportunities for enterprising people to exploit.

So we can all make a good living, and all we have to do is focus on those problems we can solve for other people.

Yes, jobs may be in short supply, but there’ll always be plenty of customers with problems to be solved. Customers for goods and services yet to be invented.

If we can all learn to look for customers rather than jobs and make sure we have the skills and know-how to solve problems for those customers, we’ll always have work, and from that, over time, we can build wealth too.

The nature of work:

Work is just doing stuff for other people in return for money. It’s that simple.

Opportunities will always be there, and we can choose to take them or not. For the fleet-footed, there will always be opportunities to make money, regardless of politics and political personalities.

Create your own future:

Find customers you can serve, serve them well, and you’ll always do well.

And it doesn’t matter whether you were successful or otherwise at school either. That’s irrelevant. There are plenty of successful and wealthy people who failed to shine at school.

Skills can be learned and knowledge can be gained at any time in your life.

So look around for people you can help, improve your knowledge and skills as you go along, and gradually enhance your earning ability. It can be done; people do, and you can too.

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Today’s assignment:

So let me finish with an assignment for you.

Look around for a problem to be solved. Look carefully, and you’ll find plenty of them, I promise you.

Now, who’s the potential customer? What skills will you need if you are to solve that problem for the customer? And once you’ve identified those skills, how will you get them, and by when?

Now think about this assignment carefully.

By applying your unique talents and know-how, whose problems could you solve? To whom could you be an answer to their prayers?

This is how business people think.

How to make the most of your future:

The future’s as bright as you want to make it for yourself. It’s all down to you.

Don’t just let life happen to you.

Start right now and make it happen.

Create a future that’s right for you. Decide where you’re going, set some goals, and start taking action.

Don’t just accept whatever life throws at you; go out and get all the things you want.

Other people do, and so can you. Go on, get started, now!

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Please share this post with your friends:

Did you find this article interesting and useful, dear reader?

If so, then please share it on social media with your friends. When you share, everyone wins.

So please share it now. If you do, I’ll be forever grateful and you’ll be helping a keen blogger reach a wider audience.

Thank you.

Other articles that might appeal to you:

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George Carlin’s Top 10 Rules For Success

02/23/2025 by

If you’re seeking some rules for success, today’s post is for you.

If success is your aim, look for successful people and copy what they do. If it worked for them, there’s a good chance it could work for you. This is a firmly held belief, and I refer to it frequently in my writing.

You don’t have to reinvent the wheel. You don’t have to come up with a game plan all of your own. There are plenty of good role models out there. Just look and listen to the good and the bad; the reverent and the irreverent. And don’t forget role models can serve as a warning as well as exemplars of how something should be done. So look around and take it all in.

George Carlin would be someone who would be considered irreverent by those familiar with his work. He’s also very successful in his field. So if you’re looking for inspiration, then listening to George Carlin could be a good start. He will probably make you smile if nothing else. In this video, George highlights his Top 10 Rules for Success, and certainly, I found them inspirational.

This is an excellent series, and this episode featuring George Carlin is well worth a listen. I don’t necessarily agree with everything George says, but he’s irreverent, and he challenges your thinking, and that for me is a good thing.

So I recommend this YouTube video to you. Listen, and it’ll be time well spent, I think. George Carlin offers some great ideas here.

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George Carlin’s Top 10 Rules for Success

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