How To Set Life Goals

For most people, setting goals is a necessity in order to get things done, especially when one is dealing with multiple tasks and multiple ambitions. Some people are lucky, and seem to be able to set and keep goals in their heads, whether consciously or unconsciously. But most of us regular folk need to write them down--and then learn how to monitor and keep them. Whether you're a sales representative, a homemaker, self-employed, a CEO, a high student or a professional football player, effectively setting goals makes it far more certain that you will become a real achiever. Here is how it is done.


  • Find a piece of blank paper and a pencil. Look at the blank paper and think for a moment--you are about to put some of your great dreams and ambitions down on this piece of paper.

  • Write the word "Goals" on the top of the page, then use a highlighter to draw a box that extends about a quarter way down the page. Label the box "Life Dreams" and proceed to list some of your life's greatest ambitions and desires. Be sure to include goals that span the realms of relationships, career, spirituality, physical fitness and mental fitness (collectively, these are the "Five Categories"). Understand that there are "Two Rules." First, your goals must be measurable (for example, "I want to climb all seven of the world's Seven Summits"), and second, your goals must be dated (for example, "I want to climb all seven of the world's Seven Summits by December 31, 2020").

  • Underneath your highlighted box of Life Dreams, write a set of goals for the next 30 days. These are your warm-up, short-term goals. It is fitting that they be situated underneath your Life Dreams; only as you work on the small things will you be able to accomplish the great ones. Additionally, your short-term goals should ultimately lead to your Life Dreams. Remember the Five Categories, and remember the Two Rules.

  • Underneath your one-month goals, write goals for the next six months. Again, remember the Five Categories and the Two Rules.

  • Underneath your six-month goals, list your one-year goals. Make sure all Five Categories are represented and that the Two Rules apply.

  • Draw a box next to each goal. Check the box after you have completed the goal. You should know exactly when you have completed the goal since each goal is measurable.

  • Put your goals in a visible place (in a planner, on your desk, on the fridge) and consult them daily, if only for a minute or two. Decide now when you will consult your goals each day, and make this habitual. Adopted from www.ehow.com/how_4558075_set-life-goals.html

Vitimans For The Mind! - Radical Changes In Minute Steps

“Why Do So Many People Fail at Self-Help?” “When I focus on changing only one major area of my life, that’s unfulfilling and hurts the other areas. But trying to change everything at once with a ‘balanced goals program’ leaves me running around like a chicken with my head cut off, getting nothing done very well and quickly running out of energy. How can I become what I want to be without focusing on doing the right things? Can Be and Do really be separated?” asked AJ. Zig Ziglar responded, “I agree, just focusing on doing the right things isn’t the answer either.”

Ziglar continued, “AJ, you can make radical changes in minute steps. Did you know that the number one discipline to achieving success is consistency coupled with tenacity.” In the process, however, frustration can occur because real change does take time and often you can’t see or feel the progress while you are doing it.”
The key to becoming the right kind of person is the combination of being and doing. One of Ziglar’s team members, Bryan Flanagan, says success is “an inside” job. In other words, you have to put the right information into your brain until it replaces and overwhelms the old bad stuff. The good news is it doesn’t take hours and hours every day to accomplish this. The bad news is it must be done consistently and daily, if possible.
The being part, or internalizing the right thoughts until they become you, is dependant upon where you spend your thinking time. What you listen to and read, and who you associate with, will, to a large degree, determine your thought process. Don’t leave this to chance. The doing part should be an outflow of your thinking. If you believe setting goals is important, then you are far more likely to set goals. If you believe giving 100% is important, then you are more likely to give it your all. If you believe finishing what you start is important, then you will finish far more things. Unfortunately, these beliefs do not come automatically, they are really muscles that need to be exercised and developed. And, until we believe they are worth the effort to develop, we are unlikely to exercise them. This is why success is “an inside” job.
To simplify this, think of it this way: In order to change and do new things, you have to believe it will work, or trust someone you believe in who says it will work. In order for the believing part to take hold, you have to have the hope that by making the change you will be better off. Without the hope part, there is little internal motivation to keep you focused. Hope is created when your mind gets new information and says, “That makes sense, I can do that.” If you never give your mind that new info, or if you stop feeding it the new info, the motivation to keep going dries up. So, hope drives the reason to change the beliefs, the new beliefs result in the doing part.
Now, back to your question and a simple action plan. Since consistency is the key discipline to achieving success, and you need to build your “success” muscles, I would suggest that you focus on two or three daily goals that each take you only five minutes or less, and do them every day for a week. Then, on the second week, add a minute or two to each goal, and so on for the first month. Make one goal either listening to or reading good information. Make another goal a physical goal that replaces a negative with a positive, such as having a glass of water instead of a soft drink with your meal, or taking a five-minute power walk instead of a high-carb snack during the day. Your third goal could be a professional goal like creating your daily priority list, or a relationship goal like writing a loved one a note of encouragement. Remember, the key is consistency.
I hope you are seeing the hope in this concept, and the belief that you can do this. In the second week of this you will start to think, “what if I could..?” and this is where it takes off! When this happens, spend your reading or listening time with an expert who knows how to do what you want to learn to do. Adopted From www.ziglar.com/

Recipe Of The Month - Tomato Tortellini Soup

Cream cheese and tomato soup make a rich and creamy base for this four-ingredient tortellini soup recipe that can be prepared in just 15 minutes.
Ingredients
  • 2 14-ounce cans reduced-sodium chicken broth or vegetable broth

  • 1 9-ounce package refrigerated tortellini

  • 1/2 of an 8-ounce tub cream cheese spread with chive and onion

  • 1 10.75- or 11-ounce can condensed tomato or tomato bisque soup

  • Snipped fresh chives (optional)

Directions

In a medium saucepan, bring broth to boiling. Add tortellini; reduce heat. Simmer, uncovered, for 5 minutes. In a bowl, whisk 1/3 cup of the hot broth into the cream cheese spread until smooth. Return all to saucepan along with tomato soup; heat through. Sprinkle with chives before serving. Makes 4 servings.

Winter Activities To Keep Dogs Busy

Even with snow on the ground, dogs can still get plenty of healthy stimulation and exercise during the winter months. If your dog is like a couple of mine, the minute the first snowflake hits the ground. Winter activities for dogs can be anything you enjoy doing together.

The first thing to remember when venturing outside in the winter is safety for you and your dog. Winter activities are only fun when no one pulls a muscle, gets too cold or becomes lost. Brush up on survival skills and always remember to pack survival gear for you and your dog when heading outside for some winter fun.

  • Hiking on a snowy trail is a great way to get exercise, but make sure to let someone know where you plan to go and how long you intend to be gone. Carry a backpack with survival gear that includes food and water for you and your dog, and make sure your short haired dog has a weatherproof jacket to help keep the chill away from his skin. Dogs lose heat from their ears and feet, so a pair of quality dog booties can help keep his feet warm and snow free. However, you will need to make sure he doesn't lose them in the snow.
  • Tracking is a great winter activity that can be educational for you and your dog. A fresh layer of snow and a warm pair of dog booties are all you need. Just make sure you know who the tracks belong to and be prepared if you should run across the owner. You don't want to deal with a confrontation from an angry critter. The idea is to give your dog some mental stimulation with an interesting scent and exercise by following the trail, not actually finding the animal.
  • Snowball catch. Several of my dogs love playing in the snow, and one of their favorite winter activities is catching snowballs. Keep the snowball loose so it won't hurt them when they catch it. One thing that always amazes me is how they can find a snowball tossed into a pile of snow. Playing catch is always a great way to give your dogs exercise any time of the year.
  • Sledding tops the list for winter activities you can do as a family. Dogs like to ride on a sled down a hill with you or the kids – just be sure to follow proper safety procedures. Never allow a dog to ride unsupervised on a sled down a hill. You can teach your dog how to pull the sled back up the hill too! He gets to spend quality time with you while you teach him a command that gives him an important job to do, and running back up the hill with the sled in tow helps him to stay fit. More on our online newsletter (www.reelestate.com) Adopted from http://canidaepetfood.blogspot.com/2010/12/winter-activities-to-keep-dogs-busy.html

Monthly Stress Reducer - Funny New Year Quotes

“The New Year may be a significant event for many people. But the absurdities of the celebration cannot escape a skeptic's mind. Here are some funny New Year quotes. What better way to start a New Year than with a hearty laugh? You can share your joy by greeting everybody with these funny New Year quotes.

  • Youth is when you're allowed to stay up late on New Year's Eve. Middle age is when you're forced to. - Bill Vaughan

  • Now there are more overweight people in America than average-weight people. So overweight people are now average… which means, you have met your New Year's resolution. - Jay Leno

  • New Year's Resolution: To tolerate fools more gladly, provided this does not encourage them to take up more of my time. - James Agate

  • Making resolutions is a cleansing ritual of self assessment and repentance that demands personal honesty and, ultimately, reinforces humility. Breaking them is part of the cycle. - Eric Zorn

  • An optimist stays up until midnight to see the New Year in. A pessimist stays up to make sure the old year leaves. - Bill Vaughan

  • Cheers to a New Year and another chance for us to get it right. - Oprah Winfrey

  • May all your troubles last as long as your New Year's resolutions! - Joey Adams

  • I made no resolutions for the New Year. The habit of making plans, of criticizing, sanctioning and molding my life, is too much of a daily event for me. - Anais Nin

  • From New Year's on the outlook brightens; good humor lost in a mood of failure returns. I resolve to stop complaining. - Leonard Bernstein Adopted From http://quotations.about.com/od/specialdays/a/newyear3.htm

Fun & Easy Winter Fitness Tips

It is very hard to find the time to workout during any season, but winter fitness can be especially tough, seeing as it's so cold out. Driving to the gym is harder, the holidays are coming, or the holidays are just gone, etc. There are many many things you can do to keep fit during the winter. You may know some or all of these tips, but it never hurts to read them again. Sometimes it takes one more time to get the right motivation.

The main idea here is to find what makes you happy, a workout that you will continue to do at least 4 times a week, no matter what. You have to stay healthy, and working out is a major part of being healthy. With the big pig out holidays in the winter, you have to be extra careful about watching your waistline.

Here are some tips that might help you work up a sweat. You might even hate for winter to leave!


  • Shovel the snow. Boring tip? No, it isn't, not when you think about it. Many people either pay someone to come and shovel their driveways, or they buy a snow blower. Try to find the time to shovel out the driveway yourself, and there is a high intensity workout right there. Be careful not to strain yourself, though.

  • Walk. Walking in the snow, with the crisp cool air all around not only boosts your mood, but it boosts your calories burnt as well. Your legs have to work a little harder to get through all that snow, and therefore, you burn more fat!

  • Break your workout time into smaller chunks of say, 5 minutes at a time. Surely you can find time for 2 or more of these a day, and if you don't get to your full goal, at least you have done something.

  • Take the stairs whenever you can. Everyone knows walking up and down stairs is a workout. So do it.

  • Get a Wii fit kit. It comes with a balance board, and a fitness disc, and it is sure to keep you occupied all winter and summer long! Adopted From www.associatedcontent.com/article

How To Be Happy With Yourself In 5 Easy Steps

Often the really attractive and likable people we meet aren't the most physically beautiful, the most intelligent, or the most artistic, but simply those that are the happiest with themselves. Discovering how to be happy with yourself is the first step to becoming a relaxed, confident & interesting person that will be as attractive to other people as you are to yourself.

1. Look to the future not the past - Perhaps you have done something in the past that you're not proud of, or maybe you feel that life has dealt you a poor hand. If only you could go back and do things differently. Well the bad news is that you can't go back, but the good news is that letting go of the past and accepting what has happened is the best way to move on and allow yourself to look forward to a fulfilling future. Realizing you cannot change the past is the first step in discovering how to be happy with yourself.

2. Stop criticizing other people - Looking for faults and failures in others is usually only a way of covering up our own insecurities. All too often we criticize others for things that we know we do ourselves. Try to stop judging other people and concentrate on living your own life in the best way you can; you will quickly find that you feel better about yourself as well.

3. Do something for another person - Take the focus off yourself for a while by doing something positive for another person. Maybe you just offer to walk someone's dog when you know they don't have time, or maybe you go the whole hog and volunteer at a homeless shelter or retirement home. Whatever you choose to do, it will stop you dwelling on yourself, and when you do get chance to reflect you will find you're much happier with the person you have become. Doing a good deed for someone else is truly something you can be proud of.

4. Know your strengths - Everybody has something that they're good at whether it's as simple as cooking, gardening, or playing with the kids, or as complex as fine art, music or business. Identify the things you're good at and make them a part of your routine. Do something that you do well at least once a week and take time to feel proud about what you have done. Acknowledging your achievements, however small you think they are, is a very positive step in how to be happy with yourself.

5. Do things that make you smile - Spending your life working hard and caring for your family is very honorable, but unless you take time out to do things that make you happy, you will never really learn to value yourself. Schedule time to indulge your hobbies, whether that's playing golf, taking long walks, watching classic films, going dancing, or supporting your local baseball team. Having a hobby or interest that you enjoy will make you a more interesting and fulfilled person as well as helping you to meet like minded people. Taking time out to do things you like to do is the final step in how to be happy with yourself. Adopted From http://ezinearticles.com/

Thoughts About Walking

  • Walking 20 minutes can add hours to your life. This enables you at 85 years old to spend an additional 5 months in a nursing home at $8000 per month.
  • My grandfather started walking five miles a day when he was 60.........................Now he's 97 years old and we don't know where he is.
  • I like long walks, especially when they are taken by people who annoy me.
  • I have to walk early in the morning, before my brain figures out what I'm doing.
  • I joined a health club last year, spent about 450 dollars. Haven't lost a pound. Apparently you have to go there.
  • Every time I hear the dirty word "exercise", I wash my mouth out with chocolate.
  • I do have flabby thighs, but fortunately my stomach covers them.
  • If you are going to try cross-country skiing, start with a very small country.
  • I know I got a lot of exercise the last few years....................just getting over the hill.
  • Every time I start thinking too much about how I look, I just find a "Happy Hour" and by the time I leave, I think I look just fine. You could walk this over to your friends but it's less hassle to just e-mail it to them. Adopted From www.guy-sports.com/

Reel Partner Of The Month


Ask Mike A Mortgage Question: Fist Time Buyer Opportunities for Homeownership in Indiana

IT ALL BEGINS AT HOME...Under the leadership of Lt. Governor Becky Skillman, IHCDA contributes to Indiana’s economy by creating housing opportunity, generating and preserving assets, and revitalizing neighborhoods. As families become more financially stable, they put down roots, spend their money locally, and climb the economic ladder. In turn,communities grow and prosper, broadening their tax base, creating new jobs, and maximizing local resources. IHCDA’s work is truly a vehicle for economic growth, and it all begins at home.

IHCDA is proud to make the dream of buying a home a reality for thousands of families all across our state. We offer programs that assist Hoosiers with closing costs, making down payments, and obtaining low interest fixed rate loans. In every county across Indiana there are lenders on hand to help with Indiana Housing and Community Development Authority programs. Explore our resources to learn about what programs are available to help you realize the dream of owning a home in Indiana.

FIRST HOME

First Home offers qualified homebuyers a low, fixed interest rate on a conventional or government-insured loan. Your lender can help you determine the best loan for your financial position. To qualify you must: Be income eligible. Income limits vary based o • n family size and location.

• Be a first-time homebuyer—someone who has not owned or had an ownership interest in his/her principal residence in the last three years.
• Get approved for the desired loan. Your lender will consider income, job stability, creditworthiness, and other criteria when assessing your ability to afford a home.
• Negotiate a purchase price that meets the purchase limits for your area.
• Purchase a single-family home or a manufactured home (permanently affixed to a foundation).
• Successfully complete the IHCDA University, an online homebuyer education course found on IHCDA’s website, http://www.ihcda.in.gov/.

FIRST HOME PLUS

First Home Plus offers homebuyers the First Home interest rate, plus assistance with down payment and closing costs of up to 6% of the purchase price (not to exceed $7,500). This greatly reduces the out-of-pocket expenses associated with buying a home. To take advantage of First Home Plus, you must meet all First Home qualifications as well as additional income restrictions.
Homes purchased in federally targeted areas or homes purchased by veterans may qualify for a waiver of the first-time homebuyer requirement.
Persons with disabilities may qualify for First Home Plus assistance of up to 10% of the purchase price (not to exceed $15,000).

Budgeting and Spending Tips

• Plan ahead.
• When you go shopping, take only cash and stick to your list. Individuals who use credit and/or debit cards to make purchases are more likely to make impulse purchases and exceed their budget allocations.
• Buy items you use frequently in bulk, and use coupons.
• Car pool or use public transportation.
• Bundle your utilities and other services (if possible).
• Take advantage of federal energy credits and weatherize your home to reduce energy waste.
• Use sites such as Freecycle.org to obtain free items for your home, and online auction sites to sell items you no longer need for extra cash.
• Eat at home and bring your lunch to work to reduce dining out expenses.
• Search your local Community Calendar for free events to attend. Adopted From http://www.in.gov