Got a Problem???

Hail is one of the most destructive forces in weather. It’s responsible for billions of dollars in damage to homes, cars, windows, crops and anything else outdoors each year. If you don’t believe how damaging it can be, watch this amazing video from a storm chase by Cloud 9 Tours back in 2003…

How about that? Hail is formed when strong updrafts in a severe storm carry a raindrop high into the cloud where the temperatures are below freezing. The drop freezes into a ball of ice. It then fall back toward the earth where more rain coats it before it is carried right back up into the subfreezing air where the coating of water freezes into another layer making the hail grow. With very strong storms, this can happen over and over until the hail is the size of a marble, golf ball, baseball or even softball. The largest hailstones often develop large spikes that make them that more destructive…

Life’s problems often act like hailstones. They start off small but the more we ignore them, the larger and more destructive they get. This happens all the time. A small problem in your relationships can grow into large, divisive issue if not tackled early. Charging small amounts on your credit cards each day will end up as a big bill at the end of the month. Not taking the time to really think about where you want to go with your life in the next month, year or five years can put you on a path to disaster. Don’t ignore the warning signs that something isn’t right. The housing crisis was predictable. An eventual run-up in the price of oil was predictable. A credit card crisis is likely coming because people are spending more than they make in these tough financial times. Without their homes to take out equity, more and more people are turning again to credit card debt (Financial figures from last month showed a substantial increase in unsecured debit – mainly from credit cards). If this trend continues, bankruptcies will begin rising by the end of the year. This is a relatively small problem right now that has the potential to grow into a much larger problem down the road.

So, what small small problem are you dealing with now that could grow into a destructive monster if you continue to ignore it? Think about how you can tackle it beginning today. Don’t let grow until it’s an overwhelming force. Think about the problem, come up with a plan to conquer it and then take massive action on that plan. If you don’t feel motivated, just watch the video again and picture yourself being showered by that huge hail. If you don’t work on solving the problem, that picture may become all too real all too soon!

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Thinking for a Change…

The art of thinking about where you are and where you want to be is, I believe, the most important step in changing your life for the better. You have to take action on your plan once it’s made, but you have to work on designing it first. With that thought in mind, here are a few questions to help get you started…

The biggest factor to our happiness in life is the quality of our relationships. When our relationship with our God, spouse, friends and family are good, life tends to be good. When those same relationships suffer, we suffer. For instance, think about the last time you had a fight with your spouse. What kind of day did you have? I bet it wasn’t one of your better ones. What can you do right after reading this blog to make sure those who love you know how much you care? Just a few loving words, phone call or note may be all that’s needed to do this.

Something else that helps determine the quality of our lives is where we are in relation to where we want to be. The greater the distance between these two points, the higher the level of anxiety. That’s because what you’re actually experiencing doesn’t match your expectations. That’s can be very frustrating.  We have all experienced times during which life threw us a curve ball and in the end, it was for the better. But, many of us have the potential to do and be much more than we are but we’re not taking the time to nurture our growth. To have a great life, it starts with creative thought then followed by planning and action. Like anything, it takes time, effort and energy. Don’t be afraid of that – complacency will keep you right where you are. If you like the way your life is, that’s fine. But if you get up each day frustrated and stressed with the way things are, it’s time to think for a change…

Let me give you an example. Yesterday, I saw a report that stated that the amount of unsecured debt (mostly from credit cards) is skyrocketing. This is happening in part because with the downturn in the housing market, fewer people have the opportunity to take out equity in their homes to meet their expenses. So, people are turning again to credit cards. Some are running up thousands of dollars in debt. Like the housing market crash, this trend could lead to a credit crisis. It’s predictable. The more households that try to fill the gap between their expenses and income, the deeper the hole they dig and the closer to bankruptcy they are. If this continues, watch for the rate of personal bankruptcies to rise over the next few quarters as more people get in over their heads (Rising gas prices won’t help this situation).

If you are in this trap, you’re going to have to make a plan to get off that track. Think about how you can either make more money or reduce your expenses, write down your plan and then take massive action on it. But again, you first have to think about what’s wrong and how you want to fix it. That’s step one. Start here and you’re well on your way. Don’t put it off. You can begin to change your life just by thinking. Pretty cool, huh?

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