The Voices In Your Head

It’s “interesting” how some people just don’t understand how mortgage rates work. There’s a train of thought that says: “as the Fed lowers interest rates mortgage rates will come down.” That’s just not so. The Fed only controls the Fed Funds Rate, which does impact floating rate instruments, like, say, credit cards and high-yield savings…

I read and listen to a lot of self/personal development stuff. But all that reading and listening doesn’t amount to a hill-of-beans (speaking of which, has anyone ever seen an actual “hill-of-beans” and is one all that desirable?) without application. Information without application is interesting and sometimes entertaining, but it’s never transformative – it doesn’t change anyone…

The average person puts only 25% of his energy into his work.  The world takes off its hat to those who put in more than 50% of their capacity, and stands on its head for those few and far between souls who devote 100%. – Andrew Carnegie Implicit in Carnegie’s words is that to be…

I had the blues because I had no shoes until upon the street, I met a man who had no feet. – Unknown It’s so easy to get used to the abundance and opportunity we enjoy here in the United States. So easy to forget that, even though our political system is far from perfect,…

The ancestor of every action is a thought. – Ralph Waldo Emerson I’ve been reading more and more about the power of thought. The more I read, and think, the more I believe that our thoughts are the prime movers of our lives. Everything else is tactics.* *** Without a solid understanding of how thought…

“I’m a failure.” I failed. Things didn’t turn out exactly like I thought at the outset. I learned something about my goal and my choices along the way. There is no such thing as “failure;” everything produces results. I have examined my inputs (thoughts, beliefs, exclusions, inclusions, emotions, moods, choices and non-choices) and results. I…