Monthly Archives: May 2013

Effective Ways to Reframe Your Perspectives

The coffee beans permeating the air with its sweet aroma complemented well the smell of freshly baked bread and pastries. I was engaged in perusing magazines and sipping my latte when I had an interesting encounter with a person whom I really didn’t like in the past.

I remember that she was a pain for bureaucracy and rules-laiden processes to the point of utter annoyance. Our short chitchat revealed that she was retiring in the coming days and couldn’t wait to escape. Escape? I noted in surprise to myself. Escape, indeed. She said her years were filled with dread and pain at the job she had to do, she loathed coming into work every day, she hated what she was tasked to do, but no one would give her other opportunities to showcase her skills and real competencies. Retirement was her first step to redemption and the key to starting over.

I couldn’t help but feel sorry for her, and more so, remorse for how I had perceived her all these years. The perceptions I held of this person were altered forever. Then I began to wonder why I had become so fixated in my view. Then I realized that I had lost my sense of flexibility.

A large part of flexibility is a change in mindset— reframing. This is one of the most difficult concepts for people to grasp because they’re caught up in the nine to five daily grind. They’re stuck on the proverbial treadmill of life, unable to escape.

By changing how you view things, you can see the same thing, but differently, and still have the original sense of understanding, but also a new level of understanding or view that you didn’t have before. I want you to read the following text to get your mind ready for reframing:

Wehn yuo raed tihs ptraicualr paargaprh yuo wlil ntocie soemtihng qutie peucilar but nnothheelss you wlil be albe to unedrsatnd waht is benig siad. Pepole hlod to the noiton taht tehy need ltos of vrey claer inoframtoin to do the tihgns tehy do in lfie; hwoeevr, tihs is frathest form the turth. Wehn you chnage yuor pesrpectvie you can stlil undresatnd and mvoe fowrrad. In tihs paargarph tehre is waht you wolud cosniedr essnetail elmenets misisng, yet you are stlil albe to udnertsnad and mvoe fowrrad. Yuor pesrpcetvie has been rerfmaed yet you are sitll albe to grnaer its menanig, olny now form antoher lnes.

It deosn’t mttaer in waht oredr the ltteers in a wrod are, the olny iprmoetnt tihng is taht the frist and lsat ltteer is at the rghit pclae in the wrod. The rset can be a toatl mses and you can sitll raed it wouthit any porbelm. Tihs is bcuseae we do not raed ervey lteter by it slef but the wrod as a wlohe.

Hopefully, this simple exercise will help you see that sometimes we’re so ingrained to following a specific belief or perspective that we convince ourselves that it’s the only way we can garner meaning. That isn’t so. Changing your perspective enhances your understanding of what you already know and enlightens you to things you will begin to know.

We exploit flexibility by training our mind to control perceptions. By reframing, we develop plain, simple, and specific ways for the mind to accomplish the things we desire. To this end, we can challenge why we do the things we do, or why we perceive things the way we do.

Have you found the joy in your life and allowed yourself to break out of the “normal”?

Feel free to share your answer in the comments.

Other Time Trading Gurus


Martin Poldma presents When is the Right Time to Start Your Dream Business, Career or Project? posted at Success and Personal Development Blog.


Sulagna Dasgupta presents Too Busy to Live? Romance for the Time-strapped posted at Love in India.

Shaun Rosenberg presents Why Living With Less Can Mean More Freedom posted at Shaun Rosenberg.

Medhat Youssef presents How To Overcome Any Barriers Before Achieving Success posted at Work Online From Home Free, saying, “Meeting barriers on the way to success is inevitable. But what most people don’t pay attention to is how to react when you’re actually in the middle of a setback. This why most of us collapse under pressure in such situations and that leads to flushing away all our hard work. This post will show you how to become smarter when it comes to facing problems heading towards you using easy-to-grasp examples.”

Brittany Hall presents How to Handle Awkward Moments With Your Boss posted at Nanny Interview Questions.


tommy presents Network Marketing 101 [The Very First Step] posted at, saying, “The first step”

Fitz Villafuerte presents Reasons For Expanding Your Business: Growing Your Business Part 1 posted at Ready To Be Rich, saying, “Why should you expand your business? There are three basic reasons and you can read more here.”

John Schmoll presents Taking the Plunge: Marketing Your Small Business posted at Frugal Rules, saying, “Running a small business can be cost limiting on a number of levels. However, with a little creative thought you can often find very effective ways to market your small business and gain more clients.”

Jon Rhodes presents Should You Link To Your Own Website? posted at Affiliate Help!, saying, “Should you link to your own sites? For years the majority of people with several websites have linked them together in order to share their traffic and gain SEO benefits. However the search landscape keeps on changing, and what worked in the past doesn’t always work now. If you do the wrong thing then you can see your site take a huge tumble in the rankings.”

Money Earning presents Tips On Where To Earn Legitimate Money Online | posted at

Jason Hull presents Tax Accounts for Your Business posted at Hull Financial Planning.

DREAM Process

Jana presents How Ideas Solve Issues and Challenges, And How To Make Yourself Available For Them : Wisdom Ink Magazine posted at Wisdom Ink Magazine.

Bryan Chau presents Elitism and Institutional Power – Henry Ford posted at Success Pen Pal, saying, “Henry Ford, Elitism, Institutional Power, Business, Success, Dreams, Passion, etc.”

That concludes this edition. Submit your blog article to the next edition of
work life balance and goal setting using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Is There a Cultural Difference When it Comes to Saving?

I was fortunate to find the time to visit family recently and I must say that I enjoyed it immensely. This get together made me realize that there seems to be a penchant in my family for the guys to marry women from European decent. My wife is Portuguese, my brother’s wife is Italian, and my aunt is English. Despite our commonalities, I know there’s a prevalent cultural difference in the way we manage money and use banks for our investments.

The proliferation of credit and the ease to which we can access it has resulted in the perfect storm, whereby some people are living beyond their means through the accumulation of debt, yet others well within it. Those who have amassed debt only mask the relative wealth they feel they have. These people have many things, but they also owe a lot on them. This results in a zero or negative net worth. Our net worth is when we add up all of the things we own and subtract everything we owe (this includes loans, mortgages, credit card debt, etc.). The problem is that because we have things; we have the false feeling that we’re worth more.

The problem is not with the banks, rather with how we ‘view’ money. Banks serve a very useful way for people to save, invest and pay their debts. Sometimes we forget that we’re the customer and the banks serve our interests. We need to change our view to seeing them as partners in our money management goals. For example, I know I couldn’t have bought a house if the bank wasn’t willing to give me a mortgage. Yes, I negotiated by asking questions about what they could do for me, rather than just settling on the posted rates. It sounds simple, but few people leverage the banks to better manage their money whether it’s by asking for lower rates, strategies on investments, account types, or tools and information. I’ve saved thousands of dollars simply by asking questions.

There’s a way to rein in this spending behavior and change our perceptions of money. All it takes is a first step, and it isn’t that complicated.

  • The first and most obvious is to begin to pay down your debt. We’ve all heard the banks say it, now its our turn, put more than the minimum payment down and consolidate debt where it makes sense to lower your interest costs. Yes, it’s that simple!
  • Start to save. Pay yourself as you would pay a bill. For me, I’d be looking for the best savings and investment account anywhere from Texas to Vancouver.
  • Reduce your housing costs. Don’t become house poor.
  • Put your credit cards on the side and begin to pay cash. Only spend what you have now, not what you expect to make in the future. This will stop the financial blood-letting. Unless of course you have the self-control to use the credit cards to your advantage, gaining points, and always paying off your outstanding balances.

Now, I’m not a big saver; rather an investor. What ever you do it’s important to ensure that you don’t live beyond your means.

How do you know you’re living beyond your means?

  1. You have less than 5% savings based on your gross income or you’re not saving anything.
  2. Your credit card balances are growing instead of shrinking.
  3. Over 30% of your income is being directed to your home.
  4. Your bills are rising or you’re getting new bills.

What makes a good investment is when what we receive is greater than the investment we put into generating it. I only need to learn from my Aunt’s British conservative side to set me on the right path.

Are you taking the right steps to saving to stop living beyond your means?

The Real Reason You Need to Dream

It had been a few weeks since I had a good night sleep. It was a deep sleep, one that I had been seeking for a while, as I was feeling downright fatigued these days. Too much work for sure, but nothing that a good time trade wouldn’t fix. It was quite a feeling to be refreshed and re-energized. I felt like I watched an epic film all night. There was no stress just a relaxing evening. If I could only repeat this cycle every night, I thought.

I remembered a documentary that highlighted that whether people are aware or not, your body goes through oscillating physiological cycles throughout the day. Your body temperature is lowest in the middle of the night and begins to steadily rise to our core body temperature of 37° Celsius (98.6° Fahrenheit) a few hours after we wake up, then it falls again several hours prior to sleep. This is known as diurnal temperature change as the temperature change is usually no more than a degree, but it’s consistent. Like our diurnal cycle, we also have a mental alertness cycle, and more so, a dream cycle. We all dream, not just once an evening, but several times a night following a ninety minute sleep cycle. Dreams follow our REM cycle, the point at which we have rapid eye movement. This is the period that most dreaming seems to occur, and it’s the point at which we fall into the arms of Morpheus, the Greek God of dreams. I certainly fell into his cradle last night!

The interesting thing about dreams is that they’re usually about things that are of interest or importance to you. Dreaming is necessary for good mental health. Researchers have even subjected people to dream deprivation experiments to prove the point. People deprived of the ability to reach their REM cycle became hostile, cranky, annoyed, and impulsive. They even had difficulty in retaining thoughts. It’s because dreaming allows us to store the events of the day and free up our mind for new experiences and thoughts just as sleep itself allows our brains to restore itself physiologically.

On the other hand, the process of taking time to day dream and wish like our physiological sleep and REM dream states helps clear our minds and allows us to focus on those things that are important to us. We may not become cranky or miserable by being deprived of thinking of dreams or wishes, but we’ll feel unfulfilled or feel that our lives are lacking in some regard.

Dreaming in wonder allows you to move beyond what could be to what can be. It allows you to visualize what you want to be, not how others define you. It’s a form of self-actualization, which is the process of attaining your goals, to effectively become your potentiality.

Are you taking the time to dream?

Other Time Trading Gurus


Susan K. Perry presents 3 Ways to Work Smarter posted at Creating in Flow, saying, “Fresh ways to think about your time so you get more done with less frustration.”


Jana presents Are You Creating Your Life or Trying To Control Your Life? posted at Blog, saying, “Here we have the difference between creating our life as we go about it, or trying to control our life results. The difference between the two is the difference between living life happily and in the flow or experiencing frustration, angst and struggle.”

Shaun Rosenberg presents How to Gain Confidence posted at Shaun Rosenberg, saying, “Gaining confidence is one of the keys to a successful life. With it you will be more willing to try new things and to give it your all. Here are some tips to boost your confidence and take the chances you know you want to take.”


Jon Rhodes presents Top SEO’s Secrets To Social Media | Affiliate Help posted at Affiliate Help!, saying, “Here’s some great tips from some of the worlds tops SEO guys on how to gain more traffic from social media sites.”

Theresa Torres presents Moms, Work, and Family: A Balancing Act posted at Tips, saying, “How do moms cope with the challenge of balancing work and family and what do companies offer to make it easier for them? Here’s an infographic to illustrate.”

John Schmoll presents 5 Things I Wish I Knew Before I Graduated From College posted at Frugal Rules, saying, “It’s sadly been too long since I graduated from college. There are a number of things I wish I knew before I did, chiefly among them avoiding debt, investing early by taking advantage of a 401k and networking all with the intention of growing professionally as well as growing my wealth.”

tommy presents Network Marketing 101 [The Very First Step] posted at

The DREAM Process

Mark Koester presents Productive Goal Setting Cycle: Getting Beyond New Year’s Resolutions posted at Minding the Borderlands by Mark Koester, saying, “Some thoughts on establishing a “goal setting and iteration of those goals” process in order to improve both the pursuit and achievement of a few goals, in my case: learning Spanish and pursuing a web development project”

That concludes this edition. Submit your blog article to the next edition of
work life balance and goal setting using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.