1. Product Highlights
2. Brainpower tip
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Many people believe a sense of urgency is essential to good time
management. That's true, when the sense of urgency is in its proper
place. But one of the keys to good time management is removing factors that inhibit concentration and focus. And guess what one of those is? The sense of urgency. When you can be relaxed for half an hour and really focus on an activity, you enhance your ability to proceed through it competently and efficiently. But when you feel rushed, you are in an altered state that inhibits your ability to think. The sense of urgency needs to apply when you are:
Outside of these areas, there are few times when feeling the pressure of urgency is helpful. Taking the time to think through a project, rather than just diving into a flurry of activity, is nearly always the most time-saving approach. Engineers know this from experience. It takes less time to design something correctly than to keep going back and trying to correct defects. You may have heard the saying, "Never enough time to do it right, always enough time to do it over." As you schedule your various tasks, allow enough time for you to be able to immerse yourself into the task and do it well. Think in terms of carving out "safe" blocks of time for specific tasks. Don't intrude on that time with "multitasking," and don't feel compelled to answer the phone or check e-mail during that time. Seal yourself off from the world for half an hour and you will be amazed at the results. You can call this the "sequestering method." Here's an example to emphasize this concept. I once worked as a magazine editor. In our work arrangement, there were two kinds of editors--subject matter and production. I worked in the subject matter area. Our edited pieces would then go to the production editors for final edits. I always used the sequestering method. I could sit down with an article for an hour, and produce a polished product that our managing editor said needed no further work. That is, she could hand me a piece, get it back later that day, and just plug it in. She did an experiment (a few times) where she would assign a similar piece to a co"worker" who never used the sequestering method. He was so frantic in his approach, in his race to get it done, that he simply stumbled over himself. It took him several weeks to turn the article around and get it back into her. And when it came back, it needed extensive work. Both his quantity and his quality were way, way, way behind mine. We tallied things up after my first year on the job. Here's the score:
So by providing myself with the time to relax and dig into the job at hand, I produced 108 end products while my coworker produced zero. The company could have hired 107 more people just like him, and I would have outperformed the entire group. That's not because I worked any faster. I didn't. I worked smarter, and that's what saved me so much time. |
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I think Congress needs to officially acknowledge the real reason for the
Christmas celebrations--December 25 is Tax Freedom Day. That's the day
when you've finally worked enough hours to pay the current year's taxes
and you can keep the rest of your earnings for yourself. I'm exaggerating, but not by much. Tax Freedom Day actually falls in October for most people. For most of us, the federal income tax makes up a small portion of our total tax bill. You also have a myriad of other taxes to pay--such a mind-boggling myriad that few people are capable of even listing most of them. To put this in perspective, there are 128 different taxes on a single loaf of bread. How many of these can you list on a blank sheet of paper, right now? The American Taliban is allegedly in charge of administering our federal income tax (here in the USA). For some people, the federal income tax so enormous that Tax Freedom Day never arrives--not even when they die. That's because the AT can assess and collect for taxes never owed, tack on outrageous interest and penalties, and laugh at any so-called protections a victim might be deluded into thinking she or he has. Making matters worse, Congress is now allowing the AT to hire mercenary debt collectors. So in addition to dealing with the Borg in AT Collections, you now have to deal with high school dropouts who work on a percentage, have halitosis, and look forward to hurting other people. So, you could be targeted by collections people who simply view you as prey. While the AT will foist such mercenary bloodsuckers on an allegedly free people, the AT isn't the only source of this pain. Just as the AT drones delight in seizing people's homes and wiping out their savings to collect on debts that never actually existed, there are other groups that also collect on phony debts with a zeal that makes Hitler's Gestapo seem rather accommodating by comparison. In addition to this, dishonest stockbrokers (as opposed to the majority, who are honest) and phony insurance sales agents are tricking people into putting their homes at great risk. Lots of ripping and tearing going on there, and it's not pretty. In one common rip-off, a collection agency contacts you about an unpaid consumer bill that a creditor has already written off as a loss. You may not have actually owed such a bill, but that's irrelevant. Once some idiot enters the wrong information about you, you owe. No supportive facts needed. The creditor sells a bunch of unpaid consumer debts for pennies on the dollar. If you are listed as a debtor--rightly or not--you become a target. The debt is what's called a "zombie debt." Your contract (whether it existed or not) is with the original creditor, not with this new one. But they don't tell you that. Could be you had a store credit card, made a few charges, and never got billed for one of them. You haven't given this a second thought, and haven't used the card for 10 years. But now the interest has piled up and you allegedly owe $7500. That makes you a very attractive collections target. The debt collector hires a bunch of unskilled morons to handle various accounts. So you start getting calls from a Joe Friday wannabe who takes the attitude that you are a deadbeat and he's going to get the money back. AT people work with this same attitude--they don't bother to check their facts, they just treat you like a target in a video game. These folks become hyper-aggressive, and are convinced that they are some kind of last ditch champions in the war between good and evil. To them, you are evil and any means of conquering you is justified. If you've ever dealt with the AT, you know the folks in collections tend to be young. That's because the AT managers know that the frontal lobes--the seat of judgment--are not fully formed or engaged until at least age 25. So they hire young, aggressive people with poor judgment to go after their victims. This is how the typical collection agency also works. How do you defend yourself against the onslaught of abuse? First, don't provide any information unless you absolutely have to. For private collectors, you don't have to. Insist on proof of the debt--ask for documentation. With the AT, this step doesn't work--they don't have to prove you owe, you have to prove you don't (and until you do that, they can proceed with collections).
Both the AT and private collectors are notorious for spreading incorrect information about their victims. So, you'll probably need to clean up your credit report--a process that will make you wonder why you bother getting up some days. You will have to look in three places to see what damage was done:
If the AT reported your "debt" to one of these bureaus even after you proved you didn't owe it, there's not much you can do. Anything the AT does is de facto legal, and if it's illegal they'll simply lie about it and you have no recourse. But if a private collection agency does this dirty deed, that agency has violated the Fair Debt Collection Practices Act. And they have, thus, committed a crime. File a complaint with the FTC http://www.ftc.gov and then provide a copy of that complaint to any bureau in which your records show this nonexistent debt. |
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Here's a timely tip for those of us in the higher latitudes of the
northern hemisphere. We've got snow and bitter cold in some places, and
so we tend not to go outside much. But if you live in a single residence
home, duplex, or townhouse that has landscaping, grab a notebook and
head outside. Now with the foliage gone, you can clearly see the structure of your trees and shrubs. We've all heard the advice to keep these trimmed back, so they don't provide cover for criminals. But simply hacking few limbs off can leave you with a bunch of unhealthy plants, and worse, it can actually lower your level of security by making your home look less cared for. What you really need is a proper pruning. This provides several benefits, including:
So, take a walk around your place and make notes (and, preferably, sketches) about each tree and shrub. Which branches should be cut back, and to what point? Which plants should be relocated or replaced? Which are too close to window or doors and must be relocated or removed? If you don't have a knack for this kind of thing, contact a landscaper to come out now (in the nonbusy season) and do the walk around for you. Then, get the recommendations and form a plan. You'll save time and money, but more importantly you'll have increased security. |
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Some people seem to never get sick. This isn't due to luck. In my own
case, it certainly is not due to luck. I have had an inexplicable immune
deficiency (low gammaglobulin) my whole life. According to doctors, I
should frequently be sick. Yet, I have not been sick since 1971. How do
I do this? You'll find a plethora of tips on www.supplecity.com. But here are some highlights:
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It's amazing how self-important some people are, as though the universe rotates around them. But just remember this. The sun--small for a star--is 330,330 times larger than the earth. And there are nearly 8 billion people on the earth. That perspective can be humbling, can't it? |
Wishing you the best,
Mark Lamendola
Mindconnection.com
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